This book seeks to analyze the nature and extent of microfinance services provided by the banks in India, with special reference to rural Punjab. Gauging the level of awareness and expectations of the people with regards to microfinance services offered by the banks, it examines the customers’ level of satisfaction, and delves into people’s preferences for various sources of finance, both the formal and the informal.

It also assesses the impact of microfinance facilities on the ultimate borrowers. Finally, it offers suitable recommendations to the bankers and the beneficiaries.