JanSamarth Portal by PM Modi - A Complete Guide

24 Jun 2022

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Key Highlights

  • The JanSamarth portal is a first-of-its-kind digital platform for Government schemes.
  • You can access 13 credit-linked government schemes across four loan categories.
  • The portal allows you to check your eligibility for your preferred scheme.
  • You enjoy hassle-free loan application, documentation and tracking process.
  • You can view loan offers from over 125 lenders.
  • The portal uses advanced technologies to automate the lending process completely.

Over the years, the Government of India has rolled out numerous welfare schemes. For instance, there is the Central Sector Interest Subsidy Scheme by the Ministry of Education or the MUDRA Loan scheme under the Department of Financial Service. Users can access these schemes on the respective Ministry's websites. However, tracking applications on various websites can be cumbersome. Keeping this in mind, the government has unveiled the JanSamarth portal, enabling applicants to avail of up to 13 credit-linked government schemes under one roof. Read on to know more about the schemes, its objectives, the registration process and more.

JanSamarth portal - The Objective

The Government of India launched the JanSamarth Portal on 6th June 2022, with the aim to promote financial inclusion and development in the country and simplify the borrowing process. The portal ensures end-to-end coverage of 13 Government schemes. It eliminates the hassle of applying for different loans and subsidy schemes on various portals. Since beneficiaries receive subsidised interest rates, some of these schemes are also referred to as credit-linked subsidy schemes.

With the JanSamarth portal, you can access programmes under Education Loans, Business Activity Loans, Agri Infrastructure Loans and Livelihood Loans. Applicants can check their eligibility and the portal automatically recommends suitable schemes.

How To Register

To register on the JanSamarth portal, follow these simple steps.

  • Visit the JanSamarth website and click on 'Register'.
  • Enter your mobile number and the captcha code and agree to the term and conditions.
  • Enter the OTP received and click on 'Submit OTP'.
  • Enter your email address and provide the OTP received on the email.
  • Enter the OTP, and click on 'Submit OTP' to view the dashboard.

You can get information on national portal for credit-linked government schemes and check your eligibility for the schemes as well.

Schemes Available Under the JanSamarth Portal

Under the JanSamarth portal, you can access 13 credit-linked government schemes under different sectors.

Education Loan

  • Central Sector Interest Subsidy (CSIS): Students from economically weaker sections who wish to pursue technical/professional education can apply for the scheme. Students can get up to Rs 10 Lakh as an interest subsidy on their education loan.
  • Padho Pradesh: This scheme can benefit students from minority communities who wish to pursue higher education overseas. 35% of the total seats are earmarked for girl students.
  • Dr Ambedkar Central Sector Scheme: This credit-linked subsidy scheme provides interest subsidies on education loans secured by Other Backward Class (OBC) and Economically Backward Class (EBC) students. The scheme applies to students pursuing higher education abroad.

Agri Infrastructure Loan

  • Agri Clinics and Agribusiness Centres Scheme (ACABC): ACABC supports agricultural development and helps unemployed but trained agricultural graduates to create self-employment ventures. The project cost for subsidy is capped at Rs 20 Lakhs and Rs 1 Crore for individual and group projects, respectively.
  • Agri Marketing Infrastructure: The scheme provides subsidies to farmers and entities to create an agricultural marketing infrastructure. Eligible candidates can use the proceeds to build storage structures in rural areas by applying for agri infrastructure loan.
  • Agriculture Infrastructure Fund Portal: The scheme offers financial support to farmers, primary agricultural credit societies (PACS), farmer producers organisations (FPOs), etc., to build infrastructure for storing the agricultural produce during the post-harvest stage.

Business Activity Loan

  • Prime Minister's Employment Generation Programme (PMEGP): PMEGP is a credit-linked subsidy scheme backed by banks to support individuals who wish to set up new microenterprises. The scheme reserves a 35% margin money subsidy for women and minorities in rural areas.
  • Weaver MUDRA Scheme (WMS): WMS provides financial assistance to handloom weavers through loans or credit cards. They can finance working capital and purchase necessary weaving equipment.
  • Pradhan Mantri MUDRA Yojana (PMMY): The PMMY scheme provides loans of up to Rs 10 Lakh to non-farming and non-corporate small and micro enterprises (SMEs). The scheme helps SMEs develop and expand their businesses.
  • Pradhan Mantri Street Vendor Aatmanirbhar Nidhi Scheme (PM SVANidhi): This Pradhan Mantri credit-linked subsidy scheme provides affordable loans to street vendors. Street vendors can enjoy collateral-free loans up to Rs 50,000.
  • Self-Employment Scheme For Rehabilitation of Manual Scavengers (SRMS): The scheme is extended to manual scavengers, sanitation workers, and their dependents. One manual scavenger per family can get a one-time cash assistance of Rs 40,000.
  • Stand Up India Scheme (StandUpIndia): The Department of Financial Services (DFS) facilitates bank loans to minorities and women entrepreneurs for setting up first-time businesses. Term Loans and Working Capital Loans start from Rs 10 Lakh to Rs 1 Crore.

Livelihood Loan

DeenDayal Antyodaya Yojana National Rural Livelihoods Missio n (DAY - NRLM): The scheme aims to build institutions that provide a range of financial and livelihood services to poor rural households. Women self-help groups from over 250 backward districts are eligible for bank credit of up to Rs 3 Lakh.

JanSamarth Portal – Eligibility

Once you log into the JanSamarth portal, you can view the above-mentioned four loan categories. Follow these steps to check your eligibility:

  • Select your preferred loan category.
  • Click on 'Check Eligibility'.
  • Answer the basic questions, such as loan amount required, social category, etc. Different loan categories and schemes have different questions.
  • After answering all questions, click on 'Calculate Eligibility'.

The portal shows you the applicable scheme, eligible subsidy amount, monthly EMI and loan tenure, and other potential schemes based on your eligibility.

Features & Benefits of the JanSamarth Portal

Financial inclusion for all:

The objective of the JanSamarth portal is to provide access to all eligible individuals to numerous credit-linked subsidy schemes offered by the government.

One-stop-shop national portal for Credit Linked Government Schemes:

You can access 13 schemes on a single platform. You can check eligibility, apply and get digital In-Principle approval for various loans rapidly.

Credit offers from over 125 lenders:

The Government of India has partnered with over 125 lenders and 10+ nodal agencies to ensure a seamless and secure digital process for beneficiaries to avail of subsidies.

Hassle-free application process:

You can apply for your preferred scheme within minutes. Select the scheme, check your eligibility, and hit 'Apply Now'. Enter your personal and banking information to view offers from multiple lenders.

Round-the-clock loan tracking:

You can track the loan status 24x7. Log into your JanSamarth portal, go to 'My Applications', and select 'Check Status'.


The JanSamarth portal simplifies the process of applying for government subsidies and makes borrowing effortless. Economically weaker sections, minorities and women can take advantage of numerous credit-linked subsidy schemes to improve their finances.

At Bank of Baroda, we facilitate multiple such schemes, which you can apply for using the JanSamarth portal. You can apply for schemes, including PMEGP, PMMY, WMS, Education Loan Interest Subsidy Schemes, etc. Call our toll-free number 1800 258 44 55 / 1800 102 44 55 or head to your nearest branch for further assistance.

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