A public-sector bank, regional rural bank, or district cooperative branch handling accounts, DBT and Mudra loans.
Kendujhar has 12 bank branches per lakh population, better than the typical district. The district's credit-deposit ratio is 31.3, behind the typical district. Every branch here is a physical point of access to savings and credit.
83% of registered enterprises are in services while 17% are in manufacturing. Only 6% of employment is in small and medium enterprises. 77% of school-age children are enrolled in higher secondary school (classes 9–12).
In Kendujhar, which ranks 23 of 30 in Odisha for youth opportunity, the overall opportunity score is 42.5 out of 100. It runs ahead of the national picture on credit going to productive use at 71.5%. On small-business loans per lakh people at ₹31,923 and women with a bank account at 79.6%, it sits close to the national mark. The district has 51,248 registered enterprises.