To provide a photographic material capable of forming a clear-cut image at a relatively low heat-developing temperature.

In a photographic material having a hardenable layer 2 including a polymeric compound or a cross-linked polymer and a photosensitive layer 3 provided in order on a support body 1, fine particles made up of a mixture of a reductant and a non-reducing compound, are added to the photosensitive layer 3. the melting point of the mixture is caused to be lower than the melting point of the reductant, and the difference in the melting points is caused to be 10°C or more.