A public-sector bank, regional rural bank, or district cooperative branch handling accounts, DBT and Mudra loans.
Darjeeling has 19.1 bank branches per lakh population, better than the typical district. The district's credit-deposit ratio is 86.1, better than the typical district. Every branch here is a physical point of access to savings and credit.
86% of registered enterprises are in services while 14% are in manufacturing. Only 9% of employment is in small and medium enterprises. 77% of school-age children are enrolled in higher secondary school (classes 9–12).
In Darjeeling, which ranks 3 of 23 in West Bengal for youth opportunity, the overall opportunity score is 52.1 out of 100. It trails the national picture on credit going to productive use at 52.7%. On small-business loans per lakh people at ₹64,690 and women with a bank account at 79%, it sits close to the national mark. The district has 62,410 registered enterprises.