The present study aims at empirically testing the perception of different respondents belonging to various income groups, regarding the access to financial services through cooperative banks. In order to fulfill the objectives of the study, both primary and secondary data are collected. The primary data are collected personally from beneficiaries of cooperative banks covered under financial inclusion drive of RBI operating in Jammu region and beneficiaries of cooperative banks operating in neighboring tehsils of Himachal & Punjab. The responses are collected using a self-developed schedule sub-divided into socio-economic variables and specific information regarding access to financial services. The findings of the study, reveals that there exists significant difference between the perception of beneficiaries belonging to different income groups regarding the access to financial services through cooperative banks.