This book brings out the results from a sample of 350 households across the States of West Bengal, Chhattisgarh and Gujarat to highlight the importance of credit plus (versus minimalist) activities in livelihood promotions. This study strongly advocates promotion of a careful and healthy growth, besides observed complementarily, across public, private and community initiatives in provision of credit as well as extension services and avoidance of massive loan waiver schemes, which imposes a lot of harms rather than producing beneficial effects for the targeted group of population.