Not one office: every bank branch in the district carries MUDRA, PMEGP, and Stand-Up India loans for small enterprises.
Ratnagiri's credit-deposit ratio stands at 56.9, behind the typical district. 56.5% of credit goes toward productive, non-personal use, close to the typical district. Bank-led credit in the district is the channel that turns local deposits into loans for business.
72% of registered enterprises are in services while 28% are in manufacturing. Only 2% of employment is in small and medium enterprises. Only 58% of school-age children are enrolled in higher secondary school (classes 9–12).
In Ratnagiri, which ranks 17 of 36 in Maharashtra for youth opportunity, the overall opportunity score is 46.5 out of 100. It runs ahead of the national picture on bank branches per lakh people at 15.2.