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Abstract
The Jammu and Kashmir Bank has been assuming critical part for the upliftment of poor, to raise the expectation for everyday comforts of masses and furthermore to relieve their province of Jammu and Kashmir through its miniaturized scale back administrations. The investigation was led among the clients of Jammu and Kashmir Bank in Shopian and Anantnag Districts to examine the strategy, practices, and part of microfinance gave by Jammu and Kashmir Bank as far as how well it accomplished its own objectives: to achieve the poorest populaces, to guarantee a positive quantifiable effect on the lives of customers and their families, to fabricate monetarily independent establishments, and to reach and enable ladies versus the future difficulties and recommend the probable changes.