Jan Samarth Portal

The Government of India launched the Jan Samarth portal, a one-stop digital platform linking government scheme-sponsored subsidies and loans with eligible beneficiaries. It is a national digital portal for eligible beneficiaries to avail of credit-linked government initiatives. It’s a unique digital portal comprising different government schemes providing easy access to all the related stakeholders and beneficiaries.

The primary purpose of the Jan Samarth portal is to develop various sectors and encourage inclusive growth by providing them with the right type of government benefits through easy and simple digital processes. The portal ensures end-to-end coverage of all the credit-linked government schemes. This one-stop digital portal has 13 government credit initiatives on a single platform with four loan categories.

With the help of the Jan Samarth portal, the beneficiaries and lenders can connect seamlessly. The portal’s main advantage is the quick application process through which a beneficiary can check their criteria and eligibility, upload required documents and process the business loan application quickly. Digital verifications will be made through this portal, making the lending process hassle-free and easy.

Loan Schemes Available on Jan Samarth Portal

The Jan Samarth portal contains four types of loan categories linked with major Central Government-sponsored schemes. The four loan categories available on the portal are as follows:

• Education loan – This loan category contains schemes that provide loans to beneficiaries for pursuing studies in and outside India, pursuing eligible courses ranging from graduation to PhD and focuses on students from economically weaker sections of society.
• Agri infrastructure loan – This category provides loan schemes for developing agricultural clinics, infrastructures, business centres, and mobilisations of finance for agricultural consulting and post-harvest management.
• Business activity loan – This category scheme provides loans for setting and expanding businesses and gives benefits based on social category, gender, and type of business.
• Livelihood loan – The government schemes under this category provide loans for Self-Help Groups(SHGs) and individuals and promote livelihood opportunities for the rural and urban poor.

Each loan category is linked with various government schemes under which the eligible beneficiaries can apply for loans. The government schemes under each loan category on the Jan Samarth portal are provided below.

The education loan category consists of the following schemes:

• Central Sector Interest Subsidy (CSIS) scheme.
• Padho Pardesh scheme.
• Dr Ambedkar Central Sector scheme. 

The Agri infrastructure category consists of the following schemes:

• Agri Clinics and Agri-Business Centres (ACABC) scheme.
• Agri Marketing Infrastructure (AMI) scheme.
• Agriculture Infrastructure Fund (AIF) scheme.

The business activity category consists of the following schemes:

• Prime Minister’s Employment Generation Programme (PMEGP).
• Pradhan Mantri Mudra Yojna (PMMY).
• Pradhan Mantri Street Vendor Aatmanirbhar Nidhi (PM SVANidhi) scheme.
• Standup India scheme.
• Weaver Mudra Scheme (WMS).
• Self Employment Scheme for Rehabilitation of Manual Scavengers (SRMS).

The livelihood loan category consists of the following schemes:

• Deendayal Antyodaya Yojana-National Rural Livelihoods Mission (DAY-NRLM).

Eligibility for Applying on Jan Samarth Portal

Any individual can apply for a loan on the Jan Samarth portal. A person wanting to apply for a loan should check the eligibility under the required loan category. If the individual is eligible, he/she can apply for a loan through an online application. 

An individual can check the eligibility by clicking on the ‘Schemes’ option on the homepage of the Jan Samarth portal, selecting the loan category from the drop-down list and clicking on the respective government scheme. The government scheme eligibility and information will be displayed on the screen.

Steps to Apply for Loan on Jan Samarth Portal

The steps to apply for a loan on the Jan Samarth portal online are as follows:

Step 1: Visit the Jan Samarth portal and click on the ‘Schemes’ option on the homepage. 

Step 2: Select the loan category from the drop-down list and click on the respective government scheme.

Step 3: Read the information and eligibility details and click on the ‘Check Eligibility’ option available on the page. 

Step 4: Answer the basic questions on the next page and click on the ‘Calculate Eligibility’ option. 

Step 5: A suitable scheme will be suggested to the beneficiary based on the response to the questions. Click on the ‘Apply Now’ button under the suggested scheme.

Step 6: The registration page will open. Enter the mobile number captcha and click on the ‘Get OTP’ button. 

Step 7: Enter the OTP sent to the mobile number and click on the ‘Submit’ button.

Step 8: The registration form will appear. Enter the required details, upload documents and click on the ‘Submit’ button. 

Step 9: The beneficiary can view offers from more than 125 lenders and get digital approval from the selected bank.

Step 10: The beneficiary can check the online status after applying for a loan scheme.

Process to Check Application Status on Jan Samarth Portal

After applying for a loan scheme, the beneficiary/applicant can check the status of his/her loan application on the Jan Samarth portal by following the below process:

• Visit the Jan Samarth portal.
• Click on the ‘Login’ button. 
• Enter the email address/mobile number and captcha code and click on the ‘Login’ button.
• Click on the ‘My Applications’ tab on the dashboard. 
• Use the registration credentials to check the application status.

Documents Required for Applying on Jan Samarth Portal 

To apply for a loan under a government scheme on the Jan Samarth portal, the applicant needs to submit the following documents:

• Aadhaar number.
• Voter ID.
• PAN card.
• Bank statements.