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Abstract
The concept of microfinance can be best described by the title of F.A.J. Bowman’s book (1990), “Small, Short and Unsecured”, micro finance is the provision of very small loans that are repaid within short periods of time and is essentially used by low income individuals women groups and households who have few assets that can be used as collateral. The micro finance has been practiced in different forms in different countries. There are various models for delivers of financial products under micro finance. The successful experiences in the gram men bank Bangladesh founded by Prof. Mohammed Yunus inspired the formation of a unique credit delivery system in India. Micro finance and women SHG’s linkages to banking with achieve the objectives of ensuring access to credit virtually at their doorstep.