The present study is an exploration into the role of Primary Health Centres in providing accessible and costeffective healthcare in the union territory of Jammu and Kashmir. The study has adopted the qualitative research approach to delve deep into the subject matter using analysisas a tool. The study is review based and makes use of secondary data sources including journals, articles, news articles and government reports. In this context, the findings of the study have revealed that PHC’s are playing a pivotal role in providing accessible and affordable healthcare services to people of Jammu and Kashmir. PHC’s are being termed as backbone of healthcare sector in the UT of Jammu and Kashmir. However, there are certain intrinsic challenges associated with the PHC’s that negatively affect accessibility and affordability of healthcare system in J&K. The challenges include limited 24*7 services, lack of specialists and technician and limited healthcare infrastructure. These challenges demand the timely intervention to remedythem for garnering the greater efficiency under the ambit of PHC’s