JanSamarth – Goverment Website for Loan on Addhar card Full Details

The Indian government launched the Jan Samarth portal to make it easier for people and businesses to apply for loans through official credit programs. Through this platform, borrowers can interact with lenders nationwide who offer loans under several credit-related government programs. In order to distribute loans under the schemes, the platform accommodates more than 125 member lending institutions, all of which are Public Sector Banks.

Button not Working Please Use Button Below!!!

All about Jan Samarth portal

Jan Samarth portal is an online platform launched for digital access to Currently there are five loan categories that citizens can explore on the portal out of which business loans can be found under three categories:

  • Agri loan – Kisan Credit Card KCC)
  • Agri infrastructure loan
  • Business activity loan

Agri loan – Kisan Credit Card KCC)

This loan is given to farmers to meet their credit needs for cultivation of crops and marketing related products. The benefits of the scheme are given below:

  • To meet short term requirements for cultivation of crops
  • Post-harvest expenses
  • Produce marketing loan
  • Consumption requirements of farmer household
  • Working capital for maintenance of farm assets and allied activities
  • Investment credit required for agriculture and allied activities

Agriculture infrastructure loans

These loans are provided for mobilisation of finance for post-harvest management and agricultural consulting, and the development of agricultural infrastructure, clinics, and business centres. There are three loans under this category:

  1. Agri Clinics and Agri Business Centers Scheme (ACABC)

This program is intended for graduates with a background in agriculture who want to open business centers and clinics. This graduate ought to have passed the National Institute of Agriculture Management’s training program (MANAGE).

For individual projects, the maximum project cost is ₹20 Lakh, although there is a subsidy. The maximum for very effective individual initiatives is ₹25 Lakh, and the maximum for group projects (which require five participants educated by management MANAGE) is ₹100 Lakh.

  1. Agricultural Marketing Infrastructure (AMI)

This program encourages the development of agricultural marketing infrastructure, which includes storage facilities, by giving farmers’ associations, state cooperatives, and private sector investments back in the form of subsidies. The beneficiaries who are routed through NABARD, NCDC, and DMI are eligible for the subsidy support, which is provided at 25% and 33.33%.

Storage infrastructure projects, marketing infrastructure projects (cleaning, grading, sorting, packing, etc.), common facilitation center of FPOS, common facilities/marketing infrastructure in market yards, and other value-added activities (mini oil expeller, mini dal mill, infrastructure for direct marketing, stand-alone standardised cold storage units, etc.) are among the eligible infrastructure projects.

  1. Agriculture Infrastructure Fund (AIF)

The Agriculture Infrastructure Fund provides long-term funding support for the construction of post-harvest infrastructure. For a maximum of seven years, loans under this financing facility will have an interest subvention of 3% annually up to a maximum of ₹2 lakh. Eligible borrowers from this financing facility will also be eligible for credit guarantee coverage under the CGTMSE scheme for loans up to ₹2 lakh.

Eligible applicants include:

  • Primary agricultural credit societies
  • Marketing cooperative societies
  • Farmers producer’s organisations (FPOs)
  • Farmers
  • Self-help Groups
  • Joint level liability groups
  • Multi-purpose cooperative societies
  • Agri entrepreneurs and startups

Business activity loan

Business activity loans are provided for setting and expanding up businesses with scheme-wise benefits based on gender, social category, and type of business.

There are four schemes under this loan that can benefit businesses:

  • Prime Minister’s Employment Generation Programme (PMEGP)

The PMEGP plan is a credit-linked subsidy program designed to assist entrepreneurs who want to launch new ventures. Individual candidates who are over the age of eighteen may establish small companies under this system.

The PMEGP program intends to provide a 25% project cost subsidy in rural areas for general category entrepreneurs and 15% of the overall project cost for entrepreneurs establishing new micro firms in urban areas.A 25% project cost subsidy is provided by the scheme to entrepreneurs who fall under one of the special categories (SC, ST, OBC, minorities, women, ex-servicemen, transgender, differently abled, NER, aspirational districts, hill and border areas, etc.) for the establishment of new micro enterprises in urban areas, and a 35% subsidy is provided in rural areas.

  • Weaver Mudra Scheme (WMS)

With the use of a term loan or weaver’s credit card, the program provides financial support to handloom weavers engaged in weaving activities. The operating capital and equipment and tool purchases are covered by the loan.Under this plan, business owners can receive interest subsidies of up to 3% on bank loans and/or support for margin money up to ₹25,000 per month.

Eligible applicants include:

  • Handloom weavers involved in viewing activity
  • Weaver entrepreneur
  • Self-help groups
  • Joint liability groups
  • Primary handloom weaver ‘s cooperative societies
  • Apex handloom weaver’s cooperative societies
  • Producer’s companies/consortia promoted by handloom weavers including those promoted under cluster/mega cluster/handloom parks under SITP or other schemes of ministry of textiles textiles

  • Pradhan Mantri MUDRA Yojana (PMMY)

Commonly known as MUDRA loan, this government loan scheme offers loans of up to ₹10 Lakh to micro and small businesses. The PMMY loan scheme is divided into three categories namely Shishu, Kishor and Tarun. These categories point to the requirement of credit facility and the stage of growth development of the borrowing business unit.

Pradhan Mantri Street Vendor Aatmanirbhar Nidhi Scheme (PM SVANidhi)

The scheme provides a special micro credit facility to provide affordable loans to St. vendors these are collateral free working loans of up to rupees 10,000 for one year tenure the interest subsidy on the loan is at 7%.

Eligible applicants include:

  • Street vendors in possession of certificate of vending/identity card issued by Urban Local Bodies (ULB)
  • The vendors who have been identified in the survey done by ULB but have not been issued a certificate of vending/identity card
  • Street vendors who have been left out of ULB identification or who have started vending after completion of the survey and have been issued letter of recommendation to that effect by ULB
  • The vendors of surrounding development/peri urban/rural areas vending in the geographical elements of ULBs and have been issued letter of recommendation to that effect by a ULB
  • Stand Up India


Stand-Up India is a loan scheme that provides financial assistance to SC/ST and women entrepreneurs for setting up a greenfield business that conducts any activity including manufacturing, services, trading or agri-allied activities.

The scheme facilitates a composite loan (inclusive of term loan and working capital) between ₹10 Lakh to ₹1 Crore without any collateral or security under the guarantee of Credit Guarantee Fund Scheme.

How to register on the Jan Samarth portal?

Jan Samarth portal registration can be completed in a few easy steps. Visit the official and click on ‘Register’ option given on the banner of the website. Fill in the details enter the OTP sent to your phone to successfully register on the portal.

How to apply for loans on the portal?

Follow the steps given below to apply for schemes on the Jan Samarth portal:

  • Login to the portal
  • Hover the cursor on the schemes option given on the banner of the page
  • Choose the desire scheme
  • Scroll down the page of your desired scheme and click on ‘Check eligibility’
  • Fill in the details for all the questions asked
  • If you are eligible the website will display a message labelled ‘Congratulations, you are eligible’
  • Navigate to the ‘Apply’ option by scrolling down
  • Fill in the application and submit along with relevant documents
  • The borrower can view offers from over 125 lenders and get digital approval from selected bank


If you are looking to apply for short-term business loan visit. You can get a loan approval within 5 minutes by choosing from loan offers from verified lenders including Public Sector Banks from across the country and funds deposited in your account within 72 hours.

Leave a Reply

Your email address will not be published. Required fields are marked *