Indian Planning has concentrated on the raising of socio-economic standards of tribal people to a satisfactory level in conformity with the basic principles in the constitution. The planners experimented with various developmental programmes and brought several salient features required sound for programmes. Integrated Rural Development Programme (IRDP) has been evolved on this realization and launched in 1984 with great expectations. It envisages identification of target beneficiaries providing subsidy, arranging credit from financial institutions for the purchase of an asset proper supervision and management. Extending credit of the financial institutions like commercial and cooperative banks have significant role to play.