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Microfinance has been evolving as an indispensable tool of poverty eradication and rural improvement. At present, almost all the commercial banks have delved into the microfinance foray and offer various lucrative schemes designed for the rural poor, specifically, to carry out their own small economic activities. This paper attempts to study the extent to which the commercial banks are participating in the microfinance business. An empirical study has been carried out in the state of Punjab. The objective is to analyse the nature and extent of microfinance services provided by the banks in the rural areas of Punjab. The study also highlights the bankers’ perceptions of microfinance.

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