The district office handling scholarships, hostels and coaching for SC, ST, OBC and minority students.
64.2% of households in Garhwa fall in the poorest wealth quintile, behind the typical district. 53% of women own a house in their name, better than the typical district. The Social Welfare Office administers pensions, aid, and support schemes aimed at this poorest segment.
83% of registered enterprises are in services while 17% are in manufacturing. Only 2% of employment is in small and medium enterprises. 61% of school-age children are enrolled in higher secondary school (classes 9–12).
In Garhwa, which ranks 9 of 24 in Jharkhand for youth opportunity, the overall opportunity score is 45.4 out of 100. The district runs ahead of the national picture on women who own land at 48.8% and women with a bank account at 87.9%, while it lags on children under five who are stunted at 47.7%.