A public-sector bank, regional rural bank, or district cooperative branch handling accounts, DBT and Mudra loans.
Kandhamal has 10.8 bank branches per lakh population, close to the typical district. The district's credit-deposit ratio is 51.6, behind the typical district. Every branch here is a physical point of access to savings and credit.
81% of registered enterprises are in services while 19% are in manufacturing. Only 2% of employment is in small and medium enterprises. 91% of school-age children are enrolled in higher secondary school (classes 9–12).
In Kandhamal, which ranks 25 of 30 in Odisha for youth opportunity, the overall opportunity score is 41.8 out of 100. It trails the national picture on credit going to productive use at 55.2%. On small-business loans per lakh people at ₹24,891 and women with a bank account at 85.7%, it sits close to the national mark. The district has 16,082 registered enterprises.