Access & quality of primary education has become a global issue.The whole education system of world rotates around the academic achievements of the students.Formal education is provided by public and private sector schools.The parents desires for high level of academic achievements of their children which put pressure on public and private schools for better performance and make them competitive.This comparative study has been conducted with reference to Azad Jammu & Kashmir a state under Pakistan administration. The study outcomes directly focused the issues of access and quality of primary education in AJ&K. The finding of study is helpful for scholar ,researcher, policy makers,educational planners and all those who involve in Azad Jammu & Kashmir Education system.