Unemployment is a global phenomenon, has attained a new dimension especially in a developing country like India, where the problem due to unemployment has become more acute due to the burden of a vast population. The present study was carried out in Gwalior district (M.P.). As per records, 80 credit users who were benefited under the Prime Minister Rozgar Yojana were selected for the study. The success and failure of the scheme largely depends upon the utilization of pattern of the assistance provided to the beneficiaries and many more factors are also affects their credit utilization behaviour. ) Majority 48.75 percent beneficiaries utilized the assistance received under PMRY in complete manner and they had fully utilized the assistance for productive and specified purpose. Socio personal traits/factors namely -education, social participation, socio-economic status, credit orientation, extension participation, source of information, contact with PMRY official, attitude towards PMRY scheme ,awareness towards PMRY scheme were found to be significantly associated while age, annual income and cosmopoliteness were found non significant association with credit utilization pattern of the beneficiaries

Keyword: Credit utilization patter