Not one office: every bank branch in the district carries MUDRA, PMEGP, and Stand-Up India loans for small enterprises.
Kandhamal's credit-deposit ratio stands at 51.6, behind the typical district. 55.2% 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.
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. On bank branches per lakh people at 10.8, it sits close to the national mark.