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Abstract
Credit plays a significant role in economic development. It is an important input for productive activity. It meets the capital requirements for new startups or expansion of existing production lines. It also meets the requirement on going production activity. This paper attempts to explore the impact of microfinance on income and employment in general and in particularly for socially disadvantage groups, name Schedule Tribe and Schedule Caste. For this study, total of 240 household covered, out of which 150 are participants and 90 are non-participants, regression analysis and chi-square test is conducted for the analysis of data in this study. The study found that there is significantly greater preponderance of SCs/STs among the non-participants compared to participants. SC/ST population participation in the programme is limited and those have joined the programme also received little benefits from the programme. The programme has leave behind the poorest section of the society, those who need at most attention. Monitoring of the group activities and providing suitable training facility is critical to materialize the benefits of Micro Finance.