Not one office: every bank branch in the district carries MUDRA, PMEGP, and Stand-Up India loans for small enterprises.
Kottayam's credit-deposit ratio stands at 55.4, behind the typical district. 49.3% of credit goes toward productive, non-personal use, behind the typical district. Bank-led credit in the district is the channel that turns local deposits into loans for business.
77% of registered enterprises are in services while 23% are in manufacturing. Only 8% of employment is in small and medium enterprises. 88% of school-age children are enrolled in higher secondary school (classes 9–12).
In Kottayam, which ranks 3 of 15 in Kerala for youth opportunity, the overall opportunity score is 58.1 out of 100. It runs ahead of the national picture on bank branches per lakh people at 27.6.