It is in this direction that the present study has been carried out in order to look into the various initiatives taken up by Bankers in the State of Jammu and Kashmir. The present paper also attempts to look into the progress of financial inclusion in the State.jammu, this famous hill resort is perched on a beautiful plateau, at an altitude of 2024 metres across which the Jammu-Srinagar Highway passes. Enveloped by thickly wooded forests, Patnitop offers beautiful picnic spots, peaceful walks and breathtaking views of the of the Chenab basin.