Abstract
This paper examines the economic impact of women SHGs on its members, both pre and post-membership, utilizing factors such as income, spending, savings, borrowings, and asset development. This study is based on primary data collected from the Baramulla district of J&K. Simple percentages, and Paired t-tests were employed as statistical methods. The study finds that women acquired confidence in their future and established a considerable level of self-reliance after joining a self-help group, resulting their improved economic conditions.