Pillar: Economic Participation
Ludhiana's credit-deposit ratio stands at 94.5, better than the typical district. 77% of credit goes toward productive, non-personal use, better than the typical district. Bank-led credit in the district is the channel that turns local deposits into loans for business.
66% of registered enterprises are in services while 34% are in manufacturing. Only 11% of employment is in small and medium enterprises. 70% of school-age children are enrolled in higher secondary school (classes 9–12). Only 32% of ITI trainers are certified.
In Ludhiana, which ranks 2 of 23 in Punjab for youth opportunity, the overall opportunity score is 55.8 out of 100. It runs ahead of the national picture on bank branches per lakh people at 26.1.
Mandated services and how to locate the Bank-Led Credit for Enterprise in Ludhiana are in the Ludhiana district course and the English reference guide (Hindi). See the Ludhiana youth opportunity scorecard for the full district picture.