National Portal for Credit-Linked Government Schemes
One-stop digital portal linking Government Schemes. Check your eligibility, apply online and get digital approval from selected banks.
Choose Your Loan Category
Select from a wide range of government-backed loan schemes tailored to meet your specific needs across various sectors.
Agriculture
Kisan Credit Card, AIF, Agri Clinics & more for farmers and agri-entrepreneurs.
Business Activity
MUDRA, Stand-Up India, PMEGP & MSME loans for entrepreneurs.
Education
CSIS, Padho Pardesh, Dr. Ambedkar Scheme for students pursuing higher studies.
Livelihood
DAY-NRLM, DAY-NULM for self-employment and rural livelihood support.
Home Loan
Housing schemes for EWS, LIG and MIG categories in urban areas.
Renewable Energy
PM-Surya Ghar financing for rooftop solar installation.
Startups
Credit linked schemes for DPIIT recognized startups and innovators.
Export
Credit Guarantee Scheme for Exporters (CGSE) support.
How It Works
Simple 4-step digital journey from eligibility check to loan disbursal.
Check Eligibility
Answer a few questions about your profile and requirements. No registration needed.
Register & Apply
Register with mobile number. Upload documents with e-KYC and auto-fetching.
In-Principle Approval
Business Rule Engine matches your profile with lender parameters. Approval in 59 minutes.
Final Disbursal
Choose your preferred bank and branch. Loan disbursed within 1-2 business days.
Paperless Process
e-KYC, e-Sign, and digital document upload with auto-verification.
Real-Time Tracking
Track application status at every stage with SMS and email updates.
Auto Subsidy Check
Portal automatically calculates eligible subsidies for your profile.
Compare Loan Schemes
Find the best scheme for your needs by comparing interest rates, amounts, and eligibility.
| Scheme Name | Max Amount | Interest Rate | Tenure | Collateral | Action |
|---|---|---|---|---|---|
|
PMMY (Shishu)
Pradhan Mantri Mudra Yojana
|
₹50,000 | Base Rate + | Up to 5 Years | No | |
|
PMMY (Kishore)
Pradhan Mantri Mudra Yojana
|
₹5 Lakhs | Base Rate + | Up to 5 Years | No | |
|
Stand-Up India
For SC/ST & Women
|
₹1 Crore | Base Rate + | 7 Years | Yes | |
|
Kisan Credit Card
For Farmers
|
₹3 Lakhs | 7% (with subsidy) | 1 Year (renewable) | No | |
|
PMEGP
Employment Generation
|
₹25 Lakhs | Base Rate + | 3-7 Years | No | |
|
Education Loan (CSIS)
Interest Subsidy
|
₹7.5 Lakhs | Subsidized | Course + 1 Year | No |
250+ Lenders Onboarded
Choose from a wide network of Public Sector Banks, Private Banks, RRBs, NBFCs and Small Finance Banks.
Our Impact
Transforming credit delivery across India since June 2022
What Beneficiaries Say
Real stories from people who transformed their lives through JanSamarth.
“I got my MUDRA loan approved in just 45 minutes through JanSamarth. The entire process was paperless and hassle-free. Highly recommended for all entrepreneurs!”
“As a farmer, I never thought getting a Kisan Credit Card would be this easy. JanSamarth connected me directly with my bank and the loan was disbursed in 2 days.”
“I used JanSamarth for my education loan under CSIS. The interest subsidy was automatically calculated and I saved over ₹50,000. Amazing platform for students!”
JanSamarth in Action
Real moments from the launch and journey of India’s unified credit portal.
Official Launch
PM Modi inaugurating the JanSamarth Portal for credit-linked government schemes.
Portal Interface
The user-friendly dashboard showing loan categories and eligibility checker.
4 Years of Impact
Celebrating milestones since the portal’s launch in June 2022.
Portal Objectives
Key features and goals of the National Portal for Credit-Linked Government Schemes.
Live Statistics
Real-time data on schemes, loan categories, and lenders on the platform.
Complete Guide
Comprehensive overview of registration, login, and loan application process.
What’s New
Stay updated with the latest schemes, features, and announcements.
Emergency Credit Line Guarantee Scheme 5.0
ECLGS 5.0 now live on JanSamarth. Get collateral-free emergency credit for MSMEs up to ₹5 Crore with 100% guarantee.
Voice-Based Application in Hindi
New voice-enabled feature allows beneficiaries to fill applications in Hindi using speech-to-text technology.
4 Years of JanSamarth Portal
Celebrating 4 years of transforming credit delivery. 54+ lakh applications processed, ₹3 Lakh Crore sanctioned.
PM SVANidhi & PMEGP Integrated
Street vendors and micro-entrepreneurs can now apply for PM SVANidhi and PMEGP loans directly through JanSamarth.
8 Languages Now Supported
JanSamarth is now available in Hindi, Marathi, Telugu, Tamil, Bengali, Gujarati, Kannada, and English.
Digital India Award 2026
JanSamarth Portal wins the Digital India Award for Excellence in Digital Governance in the Financial Services category.
Frequently Asked Questions
Find answers to common questions about the JanSamarth portal.
Ready to Get Started?
Join millions of beneficiaries who have already accessed government-backed credit through JanSamarth. Check your eligibility in minutes.
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