Jan Samarth Portal Scheme

The year 2023 will see India unite to celebrate its 75th independence day. The government of India decided to commemorate this milestone by launching the Azadi Ka Amrit Mahotsav (AKAM) initiative in March 2022 as a 75-week countdown to Independence Day in August 2023. The National Portal for Credit-Linked Government Schemes (Jan Samarth portal) was launched as a development project under this initiative in June 2022.

While addressing the gathering at the portal’s launch, Prime Minister Narendra Modi emphasised the impact that public participation has had so far in providing an impetus to the progress of the country and empowering even the most unfortunate of Indian citizens.

This is evident from the objectives and features of the Jan Samarth portal, which aims to further simplify and promote public participation by making government loans and schemes digitally accessible for all Indians. What makes the portal special is that it directly connects lending banks and non-banking financial corporations (NBFCs) with its beneficiaries.

With access to 13 government schemes in one single window, more than 125 financial institutions to choose from, and real-time checks conducted by bodies such as the Central Board of Direct Taxes (CBDT), Goods and Services Tax (GST), Udyam, National E-Governance Services Limited (NeSL), Unique Identification Authority of India (UIDAI), and Credit Information Bureau India Limited (CIBIL), the Jan Samarth portal facilitates easy and quick access to government finance. According to the prime minister, the portal will “[improve] the lives of students, farmers, businessmen, and MSME entrepreneurs, and [help] them in realising their dreams”.

What is the Jan Samarth Portal?

Jan Samarth is an innovative online platform that facilitates direct interaction between lenders and beneficiaries. It enables individuals across the country to access loans through various central government schemes categorised under different categories. This comprehensive portal offers a convenient way for citizens to check their eligibility, submit online applications, and receive digital approval for loans.

The primary aim of the Jan Samarth portal is to foster inclusive growth and development across diverse sectors – it does this by facilitating access to appropriate government benefits through user-friendly digital processes. The portal ensures the completion of all the processes and activities associated with the linked schemes, providing a seamless experience for users.

Another goal of the Jan Samarth portal is to streamline and simplify the distribution of government assistance, promoting efficiency and effectiveness in delivering benefits to eligible individuals and organisations. By using advanced technology, the portal automates the entire lending process through digital verification. This makes the entire process simple, speedy and hassle-free.

Features of the Jan Samarth Portal

The main aim of the Jan Samarth portal is to make the distribution of government financial assistance easier and more accessible to citizens across the country. Let’s take a look at some of the features of the portal:

• 100% Digital: JanSamarth boasts a total online base with every step of the loan process, right from application to disbursement. This improves the accessibility of loans to every individual with a smart device and an internet connection. It also makes the loan process easier with no need to run around filling up forms and getting signatures and approvals.
• Digital Integration: The Jan Samarth portal is internally linked to several other government platforms like UIDAI, CBDT, NSDL, LGD, NeSL, and more. These integrations provide the portal with a support system through internal access to data for authentication and verification. The portal processes data quicker and enables fast disbursal.
  
• Partnerships: Several ministries, nodal agencies, and lending institutions have partnered with the Jan Samarth platform to enable the streamlining of government assistance processes. With 8+ ministries, 10+ nodal agencies, and 200+ lending partners, government loans can reach the most remote locations easily.

Schemes Available on the JanSamarth Portal

The Jan Samarth portal hosts a total of 12 schemes under five different loan categories:

• Education Loan
• Agri Loan
• Agri Infrastructure Loan
• Business Activity Loan
• Livelihood Loan
  Under these five Jan Samarth loan categories, you can access various schemes available on a single platform:

1. Education Loan

The very first loan category is the Education Loan, which has one scheme under it: Central Sector Interest Subsidy (CSIS). The CSIS scheme is a distinctive initiative that aims to ensure equal educational opportunities for all students, irrespective of their economic background. This Jan Samarth loan for education aims to support economically disadvantaged students in pursuing professional and technical courses in India to make higher education more affordable and accessible.

2. Agri Loan

The next category, Agri Loan or agricultural loan, has one scheme under it: the Kisan Credit Card Scheme (KCC), which is a collaborative effort between the Ministry of Agriculture and Farmers’ Welfare, the government, the National Bank for Agriculture & Rural Development (NABARD), and the National Institute of Agricultural Extension Management (MANAGE).
This loan category addresses the credit needs of farmers by providing them with timely and sufficient financial assistance. The scheme offers farmers the flexibility to access credit for their agricultural activities, contingency expenses, and ancillary activities through a simplified process. It aims to empower farmers by ensuring easy access to loans whenever they require them.

3. Agri Infrastructure Loan

The next Jan Samarth loan category – Agri Infrastructure Loan – includes three different schemes under it:

1. The Agri-Clinics and Agri-Business Centres Scheme (ACABC) is a collaborative initiative between the Ministry of Agriculture and Farmers’ Welfare, the government, NABARD, and MANAGE. The scheme aims to complement the efforts of public extension services and promote agricultural development.
   It provides opportunities for unemployed agricultural graduates and other individuals to establish agri-clinics and agri-business centres, thereby creating self-employment opportunities. The scheme focuses on enhancing agricultural services, knowledge dissemination, and supporting the overall growth of the agricultural sector.
2. Agricultural Marketing Infrastructure (AMI) is a sub-scheme of the Integrated Scheme for Agricultural Marketing (SAM) implemented by the Directorate of Marketing and Inspection (DMI), which is overseen by the Ministry of Agriculture and Farmers Welfare. The primary aim of the scheme is to facilitate the development of agricultural marketing infrastructure, including storage facilities.
   The scheme provides backend subsidy support to farmers, states, cooperatives, and private sector investments. Additionally, it focuses on promoting the establishment of scientific storage capacity in rural areas to prevent distress sales and enhance farmers’ income.
3. The Agriculture Infrastructure Fund (AIF) provides long-term financial assistance for the development of infrastructure in the post-harvest stage of agriculture. This initiative aims to address challenges posed by natural variations, and regional disparities, and optimise the utilisation of limited land resources.
   By investing in logistics infrastructure, farmers can minimise post-harvest losses and reduce reliance on intermediaries, leading to improved market access and profitability. The fund encourages the creation of robust agricultural infrastructure that supports efficient and sustainable farming practices, thus benefiting farmers and the overall agricultural ecosystem.

4. Business Activity Loan

This Jan Samarth loan category has a total of six loan schemes including:

1. Pradhan Mantri Employment Generation Programme (PMEGP): This is a centrally sponsored scheme under the Ministry of Micro, Small, and Medium Enterprises (MSME) that aims to promote entrepreneurship and generate employment opportunities. The multi-tiered implementation structure ensures effective coordination and execution of the scheme.
2. The Weaver MUDRA Scheme (WMS) aims to provide financial support to handloom weavers engaged in weaving activities. The scheme aims to address the financial needs of handloom weavers by providing funds for working capital, the purchase of tools and equipment, and facilitating access to credit.
3. The Pradhan Mantri MUDRA Yojana (PMMY) scheme has a significant objective of fostering an inclusive, sustainable, and values-based entrepreneurial culture in the country. The scheme places special emphasis on promoting entrepreneurship among aspiring youth, with a particular focus on the Shishu, Kishore, and Tarun categories.
4. The Pradhan Mantri Street Vendor Aatmanirbhar Nidhi Scheme (PM SVANidhi) initiative has a primary objective of formalising street vendors and providing them with opportunities to progress on the economic ladder. By offering working capital loans, the scheme supports the financial needs of street vendors, enabling them to sustain and grow their businesses.
5. The Self Employment Scheme for Rehabilitation of Manual Scavengers (SRMS) aims to support the rehabilitation of identified manual scavengers and their families. Under the scheme, one manual scavenger from each family is eligible for a one-time cash assistance of Rs. 40,000 or any revised amount determined by the authorities.
6. The Stand Up India Scheme (StandUpIndia) aims to promote entrepreneurship and financial inclusion by providing collateral-free loans to applicants. The scheme’s objective is to facilitate bank loans ranging from Rs. 10 lakhs to Rs. 1 crore to promote entrepreneurship among underprivileged sections of society, including Scheduled Castes (SC), Scheduled Tribes (ST), and women.

5. Livelihood Loan

This final category has one scheme under it: Deendayal Antyodaya Yojana-National Rural Livelihoods Mission (DAY-NRLM) – this is a prominent programme initiated by the government to reduce poverty by empowering the poor, especially women, through the establishment of robust institutions. The scheme facilitates access to various financial services and livelihood opportunities. The Self-Help Groups (SHGs) formed under this mission have the flexibility to avail of Term Loans (TL), Cash Credit Limit (CCL) loans, or both, based on their specific requirements.

How to Register on the Jan Samarth Portal

Registering for the Jan Samarth portal is a simple process:

Step 1: Start by visiting the official website of the portal using a web browser.

Step 2: Once you’re on the homepage, locate and click on the ‘Register’ tab. This will redirect you to the Jan Samarth registration page.

Step 3: On the registration page, you will see a form where you need to provide your phone number and enter the capture (captcha) code displayed on the screen. The capture code ensures that you are a real person and not a bot.

Step 4: After entering your phone number and capture code, click on the ‘Get OTP’ (One-Time Password) tab. This will trigger a unique OTP to be sent to the registered mobile number.

Step 5: Check your mobile phone for the OTP message. Enter the OTP into the designated field on the registration portal.

Step 6: Once you have entered the correct OTP, the registration process will be complete, and you will be officially registered on the portal.

By following these steps, you will successfully register on the JanSamarth portal, allowing you to access the various features and benefits provided by the platform.

How to Apply for a Loan on the Jan Samarth Portal

Step 1: Begin by visiting the official website of the JanSamarth Portal.

Step 2: On the homepage, locate and click on the ‘Schemes’ button.

Step 3: Choose the loan category that suits your needs and select the specific government scheme you require.

Step 4: Take your time to thoroughly understand the details of the scheme, and then click on the ‘Check Eligibility’ option.

Step 5: Answer the necessary questions on the following page and click on the ‘Calculate Eligibility’ option once you have provided all the information.

Step 6: Based on your answers, the JanSamarth portal will recommend the most suitable scheme for you. After reviewing the recommendation, click on the ‘Apply Now’ button.

Step 7: You will arrive at a registration page where you need to enter your mobile number and complete the capture code.

Step 8: Click on the ‘Get OTP’ option. Enter the OTP you receive and click on the ‘Submit’ button.

Step 9: Fill out the registration form, provide the required details and upload the necessary documents. Once completed, click on the ‘Submit’ button again.

Step 10: You will see various offers from more than 200 lenders for digital approval from the bank. Select the offer that best suits your requirements.

Once you have applied for a suitable loan and uploaded your documents for verification, you can also track the status of your loan through the Jan Samarth portal.

Documents Required to Apply on the Jan Samarth Portal

The documents you will need to upload on the portal will vary depending on the scheme you choose to apply for and the terms of the lender. Here is a list of a few basic documents you will most likely need:

1. Aadhaar card
2. PAN card
3. Voter ID
4. Bank statements.

Different schemes from different lenders may require you to upload certain additional documents.

In Summary

The Jan Samarth portal is an online government platform where anyone can get quick access to government schemes in one place. A digital application, verification and disbursement process makes it accessible to anyone with a smart device and an internet connection. The portal provides a user-friendly platform for individuals to easily determine their eligibility, apply for loans online, and receive quick digital approval. It offers a seamless and convenient experience for citizens seeking financial assistance.

Just like JanSamarth, we here at FlexiLoans believe in meeting a growing India’s growing needs. We believe that every entrepreneur deserves a chance to fulfil their dreams. With the same goal in mind, we have curated a wide range of business loans, ranging from working capital loans to collateral-free loans.

Whether it be for expanding your business or for meeting your working capital needs, FlexiLoans has an option just for you. Our paperless and online application process and quick disbursal rates make our business loans the perfect choice for you. Apply now and take advantage of our flexible repayment schedules and competitive interest rates. Finance your business dreams; choose FlexiLoans.

FAQs

Q. 1 What is the Jan Samarth portal?

Ans: JanSamarth is an innovative online platform designed to bridge the gap between lenders and beneficiaries. It provides individuals with easy access to loans offered through various central government schemes. This user-friendly portal empowers citizens to conveniently check their business loan eligibility, complete online applications, and obtain swift digital approval for the funding they require.

Q. 2 How do I apply for a loan on the Jan Samarth portal?

Ans: Here’s how you can apply for loans on the Jan Samarth portal:

• Visit the official JanSamarth portal website.
• Click on the ‘Schemes’ button on the homepage.
• Choose the loan category and specific government scheme you require.
• Check your eligibility by answering the questions and clicking ‘Calculate Eligibility’.
• Review the recommended scheme and click on ‘Apply Now’.
• Register with your mobile number and complete the captcha (capture) code.
• Get an OTP, enter it, and submit the form.
• Fill out the registration form, upload the documents, and click submit again.
• Choose the best offer from lenders for digital approval.
• Complete the process and get your loan.

Q. 3 How do I register on the Jan Samarth portal?

Ans: Here is how you can register on the Jan Samarth platform:

• Go to the official website of the portal.
• Click on the ‘Register’ tab.
• The JanSamarth registration page will open.
• Enter your phone number and the captcha code.
• Click on the ‘Get OTP’ tab.
• Enter the OTP received to complete the registration process.

Q. 4 What are the documents required on the Jan Samarth portal?

Ans: Different lenders require you to upload different documents on the portal based on their requirements and policies. However, most of the schemes will require you to submit essential documents such as your Aadhaar card, PAN card, Voter ID, and such.

Q. 5 Which scheme does SBI offer on the JanSamarth portal?

Ans: Through the Jan Samarth portal, SBI offers the Central Scheme for Interest Subsidy (CSIS) for the economically weaker sections of the country. This initiative aims to ensure equal educational opportunities for students across India, irrespective of their economic background.

Q. 6 Who is eligible to apply for a loan on the Jan Samarth portal?

Ans: The loan eligibility criteria for each scheme are available on the official website of the Jan Samarth portal. There is also an option to digitally check your eligibility through the portal itself. Any Indian individual can register on the portal.

Q. 7 How do I log in on the Jan Samarth portal?

Ans: To log in on the Jan Samarth portal, please follow these easy steps:

• Visit the official website of the portal
• Click on the login button on the homepage
• Enter your mobile number and the captcha (capture) code
• Click on the ‘Login’ button and you will be able to access the portal.

Q. 8 Where can I see the status of my application on the Jan Samarth portal?

Ans: To check the status of your application on the Jan Samarth portal, follow these steps:

• Visit the website of the portal
• Enter your registration credentials
• On the dashboard, click on the ‘My Applications’ tab. This will show you all of your current loan applications that are in progress.

Q. 9 How can I get my grievance addressed on the Jan Samarth portal?

Ans: You can bring concerns, queries, or issues to the notice of the officials on the portal by:

• Sending an email to grievance@jansamarth.in for queries regarding registration and login, or to bank.support@jansamarth.in for help regarding other issues.
• Give a call to +91 79690-76111 or +91 79690-76123.

Q. 10 Who are the partner banks of the Jan Samarth portal?

Ans: JanSamarth has partnered with several banks such as SBI, Bank of Baroda, Union Bank, Axis Bank, HDFC Bank, and many more.

Q. 11 Can I apply for an SBI loan through the Jan Samarth portal?

Ans: As SBI is an authorised partner of the Jan Samarth portal, you can indeed apply for a loan from this lender that is included in any of the categories mentioned on the portal. For more details, contact SBI.

Q. 12 What is the income limit to apply for a loan through Jan Samarth?

Ans: The income limit does not apply to all loans and schemes available on the Jan Samarth portal. However, you will find the limit in the eligibility criteria for any loan that you wish to apply for on the portal.

Q. 13 Can I get an education loan on the Jan Samarth portal?

Ans: Yes, getting an education loan through the Jan Samarth portal is possible under the Education Loan category.

Q. 14 How long does it take to get a loan from JanSamarth?

Ans: Through JanSamarth, your loan application can get processed and approved within 1-2 business days.

Q. 15 Who owns the Jan Samarth portal?

Ans: The Jan Samarth portal, being a government initiative, is owned and run by the government of India.

Check out more Government Schemes 

MSME Loan Schemes in India

Savings Schemes in India

PMEGP Scheme/Loan

SATAT Scheme

Startup India Scheme

Cent Kalyani Scheme

RoDTEP Scheme

Stand Up India Scheme