Financial inclusion helps conversion of unbanked area into banked ones. Having a bank account is not a mean of financial inclusion; the ultimate objective is to meet the needs of bottom of pyramid - their customers. In financial index th rd rank, India occupies 50 position, whereas Russia is in 83 position, but China is below India. The term financial inclusion may be expressed by Task Force in March 2007 (HM Treasury) as people's ability to manage their money and it is not only limited to opening of bank account, but also providing banking education such as making use of banking facilities and products for better management of their money and capability (S.S. Sangwan, 2008). The main objective of this paper is to analyze the system of Self Help Group Bank Linkage Programme (SHGBLP) in Krishna District, Andhra Pradesh and evaluate various schemes introduced by the government during the period.