Access to affordable credit and other banking services by the low income and the vulnerable sections of the society is a prerequisite for pushing sustainable growth and reducing poverty. Self-Help Group (SHG)-bank linkage program was started with the objective of empowering low income groups, mainly emphasizing on women, to have access to and use the mainstream financial services for their upliftment. The present study attempts to explore the factors that have an influence on the use of financial services and products by the members of the SHGs. To accomplish the objective, the study has used primary data collected from 384 beneficiary members spread across 95 SHGs across the state of Tripura. 25 items representing the factors affecting financial inclusion were identified and put through data reduction technique, that is, principal component analysis that explains the interrelationship among the original variables. The study identified six factors that affect the financial inclusion of SHG members: suitability of financial products, ease of banking, physical infrastructure, economic status of the SHG members, IT infrastructure, and financial awareness. The findings of this paper will help the banks and regulators in understanding the factors that influence access to banking and financial services in this area of northeast region