National Portal for Credit Linked Government schemes

Jan Samarth Portal, an initiative by Government of India, 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.

Objective

The core objective of Jan Samarth Portal is 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.

Salient Features of the Portal

• Jan Samarth provides a single-window facility for 15 Government Schemes application submissions and 200+ Member Lending Institutions (including all
  Public Sector Banks) to choose from.
• The portal will facilitate credit under Government Schemes in the domains of Agriculture, Livelihood, Education and Business.
• The portal will check eligibility, give in-principle sanction 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 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.
• The Portal uses cutting-edge technologies and smart analytics to provide intuitive guidance to beneficiaries for checking subsidy eligibility. The auto recommendation system offers most suitable schemes as per the beneficiary's requirements and credentials. Advanced technologies automate entire lending processes based on digital verifications making the entire process simple, speedy and hassle-free.

Schemes covered

Education Loans

• For pursuing studies in and outside India
• Eligible courses ranging from graduation to PhD
• Focus on students from economically weaker sections
• Scheme Available for Education Loan:
  • Central Sector Interest Subsidy (CSIS)

Agriculture

Loans

• Kisan Credit Card
• Kisan Credit Card - Fisheries

Infrastructure

• 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)
  • Agricultural Marketing Infrastructure (AMI)
  • Agriculture Infrastructure Fund (AIF)

e-Farmer's Upaj Nidhi

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

Livelihood Loan

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

Renewable energy 

Rooftop Solar Financing -PM Surya Ghar Yojan a

How to apply

Beneficiaries can digitally check eligibility in few simple steps, apply online under eligible schemes and receive digital approval.

The steps are as follows:

• Visit Jan Samarth portal and Register
• Step 1: The beneficiary can check his/her eligibility by answering a few questions and get matched with best suitable schemes.
• Step 2: The beneficiary can then apply online by providing basic details and documents.
• Step 3: In this step, the beneficiary can view offers from onboarded lenders and get digital approval from selected bank.
• Step 4: Finally, the beneficiary can check his/her real time application status. 

Source : Jan Samarth portal