Eradication of abject poverty through the financial literacy was aimed to be accomplished under the armoury of Micro-Finance. Financial Literacy for the economically Marginalised people in India have been the core of concern under the perspective of micro- economy. Micro-Finance has been coined a paramount important tool to combat the social evil particularly the mother of social evils called poverty. But owing to the anamolities of different structural loop holes there has been a concern of cloud appears over the process and financial health and hygiene of micro-finance in India. Micro credit in terms of repayment from the borrowers has over shadows the natural flow of Micro-Finance operation across the entire Micro-Finance companies. This hermeneutics study strive to open the logjam of this non-payment mechanism to foster the capital infusion that leads to capacity of lending and further strengthen the micro credit fabrics for holistic social empowerment. In modern times, when globalization, economic liberalization brings the world trade into a single converging point, multi disciplinary role became more dynamic and multi-dimensional to cater the need for each others. Human Resource is one the discipline which has its strategic significance to every sphere.
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