Microfinance plays a significant role in the upliftment of rural India. It has emerged in 1980’s to fulfill the need of poor families to whom banks and financial institutions deny loans as they don’t have security to offer. Even today more than 60 per cent of population resides in rural India and they are directly or indirectly depend upon agriculture. More than 75 per cent of the farmers are in economically worsening condition. As they don’t get financial assistance from banks and other financial institutions, the concept of microfinance came in to being. One of the goals of establishing Regional Rural Banks (RRBs) is to provide credit to rural clientele. The group-based credit is through Self- Help Group (SHGs) or Joint Liability Group (JLGs). The former is formed to meet the credit needs of small farmers. In the present study, a modest attempt is made to appraise the credit operations of Saptagiri Grameena Bank (SGB) concerning JLGs after the merger in Chittoor and Krishna districts.