JanSamarth is a one-stop digital platform to provide information and make it convenient and easy for individuals and businesses to avail subsidies and loans under government schemes. It was launched by the Government of India and can be accessed nation-wide.

The JanSamarth Portal enables beneficiary borrowers to connect with lenders/lending institutions across the country to avail loan funds under various credit linked government schemes. Currently, there are 15 schemes, 7 loan categories, and 200+ lenders on the JanSamarth platform.

JanSamarth is an official, government-secured platform designed to protect user information, with data encryption and secure access mechanisms. As an initiative of the Government of India, it ensures both transparency and security for all transactions, making it a trusted resource for beneficiaries across the nation.

What is the JanSamarth Portal?

JanSamarth is an online portal by the Government of India as a platform for beneficiaries to access government loan schemes in one place. It’s available in 7 Indian languages other than English, making it easy for people across different regions to access the platform.

It was designed to make it convenient for beneficiaries and other stakeholders to access government loans and subsidy schemes across sectors on a single platform. Its objective being to promote inclusive growth and development, the entire Jan Samarth loan apply process is carried out online for quick verification, approval and sanctioning of loans.

Through a single digital portal, it connects various stakeholders to foster growth and ease of doing business. Prominent stakeholders are:

• Applicants (beneficiaries)
• Lenders and Financial Institutions (200+ on the platform)
• Central / State Government Ministries
• Nodal Agencies
• Facilitators

In addition to applicants and financial institutions, JanSamarth involves official nodal agencies and government ministries that oversee program accuracy and funding reliability. This close monitoring by authoritative agencies reinforces the portal’s trustworthiness and accountability

*Image – AI generated

What is the JanSamarth portal related to?

JanSamarth portal is an initiative by the government that links 15 Credit-Linked Government schemes on a single digital platform.

The objective of the JanSamarth portal is to enable the development and growth of different sectors by guiding beneficiaries to the right type of financial assistance and benefit. The process is simple, easy, online, and enables beneficiaries to check their eligibility for schemes and subsidies. It also provides recommendations on relevant schemes based on the profile of the beneficiary, their credentials, and their specific needs.

The entire lending process (including verification) is done online, making it transparent, quick and hassle-free.

 Note: The JanSamarth Portal’s affiliation with the Government of India guarantees a secure and reliable digital experience for users. Each step, from eligibility verification to loan disbursal, is conducted within a government-protected environment, ensuring data privacy and compliance with the highest standards of financial security

Also read: Pradhan Mantri Business Loan Scheme: Top schemes for MSMEs in India

What are the various Jan Samarth loan schemes?

Presently, there are 7 loan categories under which there are different schemes on the platform. These schemes are related to different categories of beneficiaries and sectors. After the JanSamarth portal registration process, beneficiaries can check their eligibility for the scheme and apply for suitable schemes. The portal also provides recommendations based on one’s credentials and loan requirements.

JanSamarth Portal Loan Categories and Schemes:

Loan scheme categories:

• Agriculture loan: Credit-linked loans for crops and fisheries, with the goal to providing farmers with timely funds to meet their short term credit requirements. This loan will also cover post harvest requirements. Open to farmers and fisheries professionals for short-term cultivation and post-harvest needs. Applicants must provide proof of landholding or occupation in agriculture. Offers funding for various stages, from crop cultivation to marketing. Approved borrowers can enjoy competitive interest rates under government-backed subvention schemes.
• Agriculture infrastructure loan: These loans cover funding for agricultural consulting and post harvest management, as well as development of agricultural infrastructure, clinics and business centres. Available for agriculture graduates or eligible businesses wanting to set up agricultural clinics and post-harvest infrastructure. Proof of training from an accredited institution (e.g., MANAGE) is required. Loans under this scheme offer up to a 33.33% subsidy, making it accessible for larger agricultural infrastructure projects.
• Business activity loan: There are 6 schemes under this loan category, for new business setup and expansion of existing entities. Designed for entrepreneurs, especially those belonging to special categories such as women and SC/ST entrepreneurs. Specific schemes (e.g., PMEGP) also require a minimum age of 18 years. Provides higher subsidies for rural and special-category applicants. For example, PMEGP offers a 25% subsidy for rural areas and up to 35% for applicants from disadvantaged groups.
• Livelihood loan: These loans are for individuals and SHGs to promote livelihood opportunities for the rural poor. Available to rural and economically weaker sections of society, particularly women and self-help groups. It provides funds for setting up livelihood projects, with government-guaranteed support for maximum financial accessibility.
• Education loan: For students from economically backward sections to pursue programmes (graduation to PhD) in India. For students from economically weaker sections seeking higher education in India. Required documents include proof of income and admission to a recognized institution. Loans under this category include interest subsidies to make higher education more affordable for low-income families.

Agri loan – Kisan Credit Card (KCC)

This loan is given to farmers to meet their credit needs for cultivation of crops and marketing related products. The benefits of the scheme are given below:

• To meet short term requirements for cultivation of crops
• Post-harvest expenses
• Produce marketing loan
• Consumption requirements of farmer household
• Working capital for maintenance of farm assets and allied activities
• Investment credit required for agriculture and allied activities

Agriculture infrastructure loans

These loans are provided for mobilisation of finance for post-harvest management and agricultural consulting, and the development of agricultural infrastructure, clinics, and business centres. There are three loans under this category:

Agri Clinics and Agri Business Centers Scheme (ACABC)

This scheme is for graduates in agriculture related subjects who wish to set up agriculture clinics and business centers.  This graduate should have passed training provided by National Institute of Agriculture Management (MANAGE).

The ceiling of the project cost but the subsidy is ₹20 Lakh for individual projects. In the case of extremely successful individual projects the ceiling is ₹25 Lakh and for group projects (must include five people trained by management MANAGE) the ceiling is 100 Lakh.

Agricultural Marketing Infrastructure (AMI)

This scheme promotes the creation of agricultural marketing infrastructure including storage infrastructure by providing back in subsidy support to farmers states cooperatives and private sector investments. The subsidy support is at 25% and 33.33% and it’s available to beneficiaries that are routed through NABARD, NCDC and DMI.

Agriculture Infrastructure Fund (AIF)

Agriculture infrastructure fund offers long term financial assistance for building infrastructure for post harvest stage. Loans under this financing facility will have interest subvention of 3% per annum up to a limit of rupees ₹2 Lakh the subvention will be available for a maximum period of seven years credit guarantee coverage will be available for eligible borrowers from this financing facility under CGTMSE scheme for a loan up to ₹2 lakhs.

Business activity loan

Business activity loans are provided for setting and expanding up businesses with scheme-wise benefits based on gender, social category, and type of business. Popular schemes include:

Prime Minister’s Employment Generation Programme (PMEGP)

PMEGP scheme is a credit linked subsidy programme that gives subsidies to entrepreneurs seeking to set up new businesses. The scheme allows individual applicants above 18 years of age to set up small businesses.

The PMEGP scheme aims to offer a subsidy of 15% of the total project cost for setting up new micro enterprises in urban areas and 25% in rural areas for entrepreneurs belonging to the general category.  The scheme gives a subsidy of 25% of the total project cost for setting up new micro enterprises in urban areas and 35% in rural areas for entrepreneurs belonging to the special category.

Weaver Mudra Scheme (WMS)

The scheme offers financial assistance to handloom weavers involved in weaving activity through weaver’s credit card or term loan. The loan is provided for working capital and purchase of tools and equipment. Under this scheme entrepreneurs can avail margin money support up to ₹25,000 per weaver and/or interest subsidy up to 3% on bank loan.

Pradhan Mantri Street Vendor Aatmanirbhar Nidhi Scheme (PM SVANidhi)

The scheme provides a special micro credit facility to provide affordable loans to St. vendors these are collateral free working loans of up to rupees 10,000 for one year tenure the interest subsidy on the loan is at 7%.

Stand Up India scheme

Stand-Up India is a loan scheme that provides financial assistance to SC/ST and women entrepreneurs for setting up a greenfield business that conducts any activity including manufacturing, services, trading or agri-allied activities. The scheme facilitates a composite loan (inclusive of term loan and working capital) between ₹10 Lakh to ₹1 Crore without any collateral or security under the guarantee of Credit Guarantee Fund Scheme.

Pradhan Mantri MUDRA Yojana (PMMY)

Commonly known as MUDRA loan, this government loan scheme offers loans of up to ₹20 Lakh to micro and small businesses. The PMMY loan scheme is divided into three categories namely Shishu, Kishor and Tarun. These categories point to the requirement of credit facility and the stage of growth development of the borrowing business unit. Borrowers must meet the eligibility criteria for MUDRA loans to avail the loan.

*Image for representation only. Not actual.

How to check JanSamarth loan eligibility?

Before you apply for a loan on JanSamarth portal, you will have to check your eligibility for the loan. Though anyone can apply for a loan, you will have to:

• Check eligibility under the different loan categories
• Apply for the loan online if eligible

To check eligibility for JanSamarth loan follow the steps below:

Option 1:

• Visit the Jan Samarth portal online
• Scroll to the Loan Category you want to apply for (e.g., Business Activity Loan)
• Click on the ‘Check Eligibility’ button
• Fill in the best option from the choices (i.e., Loan for Handloom Weaver, Loan for Manual Scavenger, Loan for Street Vendors, Other Business Loan)
• Click on ‘Calculate Eligibility’ to view results

Option 2:

• Visit the JanSamarth homepage and click on ‘Schemes’ in the navigation tab
• Select the preferred loan category and scheme (e.g., Category – Business Activity Loan; Scheme – PMMY): //www.jansamarth.in/business-loan-pradhan-mantri-mudra-yojana-scheme

View loan scheme eligibility and other details (including documents required and application process)

The eligibility checker uses verified data, making it secure and accurate. As a government-backed tool, it ensures that beneficiaries receive highly accurate scheme recommendations based on official records.

How to register on JanSamarth portal?

JanSamarth ensures a secure registration experience by requiring OTP verification and user authentication at each step. The portal is SSL-encrypted to protect user data, adding an extra layer of security to all personal information. The entire loan application process is seamlessly operated online. You will have to register and login to the portal to begin.

For JanSamarth portal registration, follow the steps below:

• Visit the JanSamarth portal online
• Click on the ‘Register’ button on the top right: //www.jansamarth.in/register
• Enter your mobile number and captcha
• Click on ‘Get OTP’
• Verify by using the OTP and fill in any other detail required to complete JanSamarth portal registration

How to login to JanSamarth portal?

For JanSamarth portal login, you will need to register first.

• Visit the JanSamarth portal homepage
• Click on ‘Login’ next to the Register button on top right: //www.jansamarth.in/login
• Enter the mobile number or email you have used during registration and the captcha
• Click on ‘Login’ to log in to your account

For other users on the portal:

• Select from the drop the right option for login – Banker, Nodal Agency, Ministry, Partner and others
• Enter email address or mobile number and captcha
• Click on ‘Login’ to log in to your account

How to apply for loans on JanSamarth portal?

The JanSamarth loan apply online process is simple and straightforward. Listed below are the steps to apply for a loan on the platform:

• Login to the portal
• Hover the cursor on the schemes option given on the banner of the page
• Choose the desire scheme (e.g., Agri loan, business loan, education loan etc.)
• Scroll down the page of your desired scheme and click on ‘Check eligibility’
• Fill in the details for all the questions asked
• If you are eligible the website will display a message labelled ‘Congratulations, you are eligible’
• Navigate to the ‘Apply’ option by scrolling down
• Fill in the application and submit along with relevant documents
• The borrower can view offers from the list of lenders and get digital approval from selected bank

Note: For any loan application, keep the following documents handy: PAN, Voter’s ID and Aadhaar card, business incorporation certificate/MSME certificate, bank statements and others.

How to check JanSamarth loan status?

To check the status of your loan application on the JanSamarth portal, follow the steps below:

• Visit the homepage and Login to your account
• Click on ‘My Applications’ to view your application
• Enter your credentials to view the status of your loan application

How do I delete my JanSamarth portal account?

To delete or cancel your JanSamarth account, contact the JanSamarth Grievances section at: grievance[at]jansamarth[dot]in

*For informational purpose only. Please visit the official JanSamarth portal website for more information. JanSamarth Portal, as a government-backed initiative, upholds the highest standards of security for all user data and transactions. The platform’s secure login, OTP verification, and official status as a government-affiliated resource underscore its commitment to trustworthiness and compliance with YMYL (Your Money, Your Life) guidelines.

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