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Jan Samarth Portal: All you need to know about National Portal for Credit Linked Government Schemes


  • PM Modi launched the National Portal for Credit Linked Government schemes – Jan Samarth Portal in June 2022.
  • It is under Ministry of Finance
  • It is a unique digital portal linking thirteen Credit Linked Government schemes on a single platform, for ease of access to all beneficiaries and related stakeholders.
  • It connects various stakeholders of the financial ecosystem on a single platform to promote inclusive development and ease of doing business.

Jan Samarth Portal in Hindi: Click Here

Salient Features

  • “Jan Samarth” provides a single-window facility for 13 Government Schemes application submissions and 125+ Member Lending Institutions (including all Public Sector Banks) to choose from.
  • It will facilitate credit under Government Schemes in the domains of Agriculture, Livelihood, Education and Business.
  • Government schemes are already on the Jan Samarth portal and more will be on-boarded.
  • It will check eligibility, give in-principle sanctions, and send the application to the selected Bank.
  • It will also keep the beneficiaries updated at each stage of the journey, without necessitating multiple visits to bank branches.
  • Real-time checks with the Central Board of Direct Taxes (CBDT), Goods and Services Tax (GST), UDYAM, National E-Governance Services Ltd. (NeSL), Unique Identification Authority of India (UIDAI), CIBIL, etc. will ensure faster loan processing.


  • To promote inclusive growth and development of various sectors by guiding and providing them to the right type of Government benefits through simple and easy digital processes.
  • The portal ensures end-to-end coverage of all the processes and activities of all the linked schemes.


  • Advanced technologies automate entire lending processes based on digital verifications making the entire process simple, speedy and hassle-free.

Education Loans are provided in?

  • For pursuing studies in and outside India
  • Eligible courses ranging from graduation to PhD
  • Focus on students from economically weaker sections

➢ Three Schemes Available for Education Loan:

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

Agriculture Infrastructure loans are provided in?

  • Mobilizations of finance for post-harvest management and agricultural consulting
  • Loans for the development of agricultural infrastructure, clinics, and business centres.

➢ Three Schemes Available for Agri Infrastructure Loan:

  • Agri Clinics and Agri Business Centers Scheme (ACABC){ in detail with external link}
  • Agricultural Marketing Infrastructure (AMI)
  • Agriculture Infrastructure Fund (AIF)

Business Activity Loans are provided in?

  • Loans for setting and expanding up businesses
  • Scheme wise benefits based on gender, social category, and type of business

➢ Six Schemes Available for Business Activity Loan:

  • Prime Minister’s Employment Generation Programme (PMEGP)
  • Weaver Mudra Scheme (WMS)
  • Pradhan Mantri MUDRA Yojana (PMMY)
  • Pradhan Mantri Street Vendor Aatmanirbhar Nidhi Scheme (PM SVANidhi)
  • Self-Employment Scheme for Rehabilitation of Manual Scavengers (SRMS)
  • Stand Up India Scheme

One scheme is available for Livelihood Loan:

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

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