JanSamarth Portal is an online platform bridging lenders and beneficiaries, facilitating loans for education, agriculture, business, and livelihood. Across these four categories, there are 13 Central government schemes and the portal links citizens directly to lenders offering loans under these schemes. Aiming at simplicity, this portal streamlines the process, allowing applicants to check eligibility, apply digitally, and get digital approval. "The core objective of JanSamarth Portal is to promote inclusive growth and development of various sectors by guiding and providing them the right type of Government benefits through simple and easy digital processes," the official website says.
The digital interface of the portal ensures an effortless application journey, in simple steps:
On the homepage, locate and click on the ‘Schemes’ button and choose your preferred loan category and scheme.
Understand the scheme details thoroughly and then click on the ‘Check Eligibility’ option.
Answer questions, and click on the ‘Calculate Eligibility’ option once you have provided all the information. You will receive scheme recommendations.
Based on your answers, the JanSamarth portal will recommend the most suitable scheme for you along with EMI, loan period etc. After reviewing the recommendation, click on the ‘Apply Now’ button. You will see various offers from more than 200 lenders for digital approval from the bank. Select the offer that best suits your requirements.
The portal will then direct you to the bank's website, where you can complete the application, fill in the form, upload the required documents, and click submit. You can also track the status of your loan through the Jan Samarth portal.
JanSamarth Portal stands as an intuitive tool backed by advanced technology, simplifying subsidy eligibility checks and recommending the best schemes for the applicant. 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 ensures end-to-end coverage of all the processes and activities of all the linked schemes," the official website says.