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Indicates how people change their fortunes through effective usage of micro finance in the state of Punjab (India). Book also invites attention of social workers, policy makers, regulators and providers of micro finance as there is ample opportunities for all of them to explore. This publication would help the bankers and financial intermediaries in rethinking and making strategies before disbursing funds. Author also warns about negative impacts of Blind Financing and insists on training inputs. NABARD,Social welfare department of Punjab/central Govt., Micro Finance Institutions, Banks, researchers and students are expected to get benefited through this publication. Success stories are worth reading and inspirational which would surely impress many people to avail benefits of micro finance. Dr.Sharma demonstrates how the financial limitations of individuals were overcome through the formation of Self-Help Groups ultimately leading to success stories. Author has very sadly highlighted the absence of private sector banks and all insurance companies (Life and general insurance) in rural areas of Punjab. This book is a friend, philosopher and guide.