JanSamarth Portal National Portal for Credit Linked Government Scheme

Scheme Introduction: A Brief Overview

Getting a loan to start a business, improve farming, install rooftop solar panels, or support a small livelihood can be challenging when people are unsure which government scheme suits their needs or where to apply. To make this process easier, the Government of India launched the JanSamarth Portal, also known as the National Portal for Credit-Linked Government Schemes, on 6 June 2022. It provides a common digital platform through which eligible applicants can check their eligibility and access credit facilities under government-backed schemes. As reported by the Government in June 2026, the portal covered 16 Central Government credit-linked schemes across areas such as agriculture, business, housing, renewable energy, and livelihoods.

JanSamarth was launched by Prime Minister Narendra Modi with two main objectives: to expand the reach of government-sponsored schemes and to simplify the credit delivery process. The portal is managed under the Department of Financial Services, Ministry of Finance, Government of India. It brings applicants, banks, financial institutions, government departments, and nodal agencies onto a common digital platform, helping reduce the need to navigate multiple separate application processes.

One of the main benefits of the JanSamarth Portal is that applicants can answer a few questions about their requirements and circumstances to identify potentially suitable schemes. The portal helps check eligibility, supports online application submission, and can provide an in-principle sanction before forwarding the application to the selected bank branch, where applicable. It also uses digital data verification to help simplify loan processing. Applicants can access the portal online, and assisted application support is available through bank business correspondents and authorised partners. However, an in-principle sanction is not the same as final loan approval or disbursement; the lending institution makes the final lending decision.

The portal is intended for different categories of applicants, including farmers, entrepreneurs, small business owners, street vendors, eligible households seeking housing finance, and people looking for credit for specific livelihood or business activities. There is no single eligibility rule that applies to every applicant. Requirements such as age, income, business activity, landholding, documents, and repayment conditions depend on the particular scheme and the lending institution's rules. Applicants should therefore check the eligibility conditions of the relevant scheme before submitting an application.

To apply, visit the official JanSamarth Portal, select the relevant loan or scheme category, and answer the questions asked to check your eligibility. If a suitable scheme is available, follow the on-screen instructions to complete the application and provide the required information and documents. Depending on the scheme, the application may be processed on the portal or redirected to another official platform. Keep your application details safe and track the status through the available portal facilities. For assistance or complaints, use the help or grievance-redressal options available on the official portal.

Applicants exploring credit support may also find it useful to read about related schemes listed on GovtSchemes.in. For example, the Kisan Credit Card Scheme provides eligible farmers with access to agricultural credit, while the PM SVANidhi Scheme supports eligible street vendors through working-capital loans and other repayment-linked benefits. These schemes serve different needs, so applicants should review their individual conditions and use the official scheme portal for applications and the latest instructions.

Scheme Benefits

The JanSamarth Portal makes it easier for eligible individuals and businesses to explore credit-linked government schemes through a single online platform. Its main benefits include:

• Applicants can check their eligibility for suitable credit-linked government schemes through one portal.
• It provides access to 16 Central Government credit-linked schemes covering agriculture, business, housing, solar energy, and livelihood activities.
• Applicants can submit loan applications online without having to navigate multiple separate scheme portals at the initial stage.
• The portal helps simplify application processing through digital data verification and automatic filling of available information.
• Eligible applicants may receive an in-principle loan sanction before their applications are forwarded to the selected bank branch for further processing.
• It connects applicants with participating banks and other lending institutions for credit facilities under the available schemes.
• The portal is available in eight languages: English, Hindi, Gujarati, Telugu, Tamil, Marathi, Bengali, and Kannada.
• Applicants who need assistance with the digital process can seek support through bank business correspondents and authorised partners.
• Online access allows applicants to explore available schemes and begin the application process without initially visiting multiple offices.

Please note that eligibility, loan amounts, interest rates, repayment periods, and other benefits vary by scheme and lending institution. Applying through JanSamarth does not guarantee final loan approval or disbursement.

Eligibility Requirements

The JanSamarth Portal helps applicants identify government credit-linked schemes that match their needs. However, eligibility conditions differ from one scheme to another, so applicants must check the requirements of the specific scheme before applying.

• Applicants must meet the eligibility conditions of the government scheme under which they want to obtain a loan.
• Depending on the scheme, eligible applicants may include farmers, entrepreneurs, small business owners, street vendors, and households seeking housing-related credit.
• Applicants must provide the information and documents required for their selected scheme, such as identity details, income or business information, or other supporting records, where applicable.
• Applicants must meet any scheme-specific conditions related to age, income, occupation, business type, or other qualifying criteria.
• The applicant's loan application is subject to assessment by the participating bank or lending institution. Checking eligibility or receiving an in-principle sanction does not guarantee final loan approval.

Required Documents

Before applying through the JanSamarth Portal, applicants should keep the necessary documents and information ready to make the application process easier. The exact documents depend on the selected government scheme and the requirements of the participating bank or lending institution. Commonly required documents may include:

• Aadhaar card or another accepted identity proof, as required by the scheme.
• PAN card, wherever applicable.
• Proof of address, such as an accepted address document.
• Bank account details and supporting bank documents, if required.
• Income proof or other financial documents, depending on the scheme.
• Business registration documents, business details, or a business plan for eligible business-related loans, where applicable.
• Land records or other agricultural documents for schemes related to farming, if required.
• Category-specific certificates or other supporting documents, if the selected scheme requires them.

Steps to Apply

Applying through the JanSamarth Portal begins with checking which government credit-linked scheme matches your needs. Follow the steps below to explore the available options, submit your application, and track its progress.

• Open the official JanSamarth Portal. On the homepage, explore the available scheme or loan categories and select the one related to your requirement, such as agriculture, business, housing, or livelihood.
• Answer the eligibility questions displayed on the portal. Enter the requested details accurately so the system can identify schemes that may suit your circumstances.
• Review the schemes suggested by the portal and select the option relevant to your needs. Read its eligibility conditions and other details before proceeding.
• If you are eligible, continue to the online application process. Provide the requested personal, financial, or business information and upload the documents required for the selected scheme.
• Review the information you have entered before submitting the application. Correct any mistakes and complete the submission according to the instructions displayed on the portal.
• Where the portal offers participating lender options, review the available details and select a suitable lender. The portal may provide an in-principle sanction and forward your application to the selected bank branch for further assessment.
• Track your application status through the portal using the available login or application-status facility. Check for any further requests from the bank and provide additional information if required.

List of Schemes Available on JanSamarth Portal

The JanSamarth Portal provides access to credit-linked Central Government schemes for different needs, including agriculture, business, housing, renewable energy, and livelihood activities. According to the Government of India's June 2026 update, the portal covers the following 16 schemes:

1. Emergency Credit Line Guarantee Scheme 5.0 (ECLGS 5.0)
2. e-Kisan Upaj Nidhi (eKUN)
3. Home Loan for Economically Weaker Sections (EWS), Low-Income Groups (LIG), and Middle-Income Groups (MIG) in Urban Areas
4. Kisan Credit Card (KCC)
5. Kisan Credit Card – Fisheries (KCCFIM)
6. Rooftop Solar Installation Financing (SOLAR)
7. Agri Clinics and Agri Business Centres Scheme (ACABC)
8. Agriculture Infrastructure Fund (AIF)
9. Prime Minister's Employment Generation Programme (PMEGP)
10. Weaver Mudra Scheme (WMS)
11. Pradhan Mantri Mudra Yojana (PMMY)
12. Pradhan Mantri Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi)
13. National Action for Mechanized Sanitation Ecosystem (NAMASTE)
14. Loan for Startups (START)
15. Credit Card for Micro Enterprises (CCME)
16. Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM)

To explore these schemes and check which options may suit your requirements, visit the official JanSamarth Portal. The eligibility conditions, loan amount, and other terms vary by scheme.

Relevant Links

• Department of Financial Services – JanSamarth Portal Information
• Official JanSamarth Portal
• JanSamarth Applicant Mobile App – Google Play
• Department of Financial Services – Official Contact Directory

Contact Information

Department of Financial Services, Ministry of Finance, Government of India

• Phone: 011-23742207 / 011-23360250 (Department of Financial Services general office numbers)
• For Borrower: Phone Number :- 079 69076111.
• For Bank and Others Email :- [email protected].
• Email: [email protected] (JanSamarth app support email listed on Google Play)
• Address: 3rd Floor, Jeevan Deep Building, Sansad Marg, New Delhi – 110001

For portal-related assistance, applicants can email the JanSamarth support team. The phone numbers above are general Department of Financial Services office contacts; a separate, verified JanSamarth-specific helpline number was not found in the official sources reviewed.