हाइलाइट
- 4 Loan Categories to Apply.
- 13 Schemes in One Portal.
- More than 125 Lenders Available to Grant Loan
ग्राहक देखभाल फ़ोन नंबर
- For Borrower :- '
- Email :- Customer.support@jansamarth.in.
- Phone Number :- +917969076111.
- For Bank and Others :-
- Email :- Bank.support@jansamarth.in.
- Phone :- +917969076123.
Overview Of The Scheme
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Name of the Scheme | JanSamarth Portal - A Unique One Stop Digital Portal. |
Launched On | 06-06-2022 |
Objective | To provide a single platform for credit linked government schemes. |
Official Website | JanSamarth Portal. |
Introduction
- JanSamarth Portal is a one of its kind digital portal launched by Government of India.
- It was launched on 06-06-2022.
- Through this portal a beneficiary can avail the benefit of the schemes at one place.
- At present in this portal a total of thirteen credit linked government schemes are available.
- Out of which :-
- 3 scheme is for Educational Loan.
- 3 scheme is for Agri Infrastructure Loan
- 6 scheme is for Business Activity Loan.
- And 1 scheme is for Livelihood Loan.
- Beneficiary can digitally check their eligibility before apply online under any of the eligible scheme.
- This portal is directly connect lender with borrowers.
- In this portal beneficiary have to answer few questions and he found all the suitable schemes for him/her.
- Thereafter fill all the basic details, upload all the required documents.
- More than 125 lenders will be availabe to provide a loan to beneficiary.
- After selecting the lender bank, the beneficiary get digital approval of his/her loan.
Loans Available on Portal
- At present there are 4 types of loan category available on this portal.
- These Categories are :-
- Further these categories are elaborated as below :-
Education Loan 1.Central Sector Interest Subsidy (CSIS) - Introduction :-
- Central Sector Interest Subsidy Scheme is an education loan scheme of Ministry of Education.
- This scheme is only available for students belongs to economically weaker sections.
- Eligible students can take subsidise loan to pursue Technical or Professional education within India .
- Eligibility :-
- All the students whose annual family income does not exceed to Rs. 4.5 lakhs per annum.
- Students who want to pursue Technical or Professional Courses within India.
- Benefit of the Scheme :-
- No collateral security required.
- No third party guarantee.
- Subsidy benefit available for course period+one year.
- The subsidy amount will be on maximum Rs. 10 lakh loan amount.
- List of approved institution :-
2. Padho Pradesh (Padho Pardesh) - Introduction :-
- Padho Pardesh is an interest subsidy on an education loan for those students who want to pursue their studies outside India.
- This interest subsidy is only available once to students.
- 35 % seats of this scheme is reserved for girls students.
- Eligibility :-
- Students belongs to six notified minority community.
- Interest subsidy is only for those students who get enrolled in Masters, M. Phil or in Ph.D. courses.
- Students should have to take admission in approved courses.
- Loan should be availed from a schedule bank.
- Benefit can only be taken during 1st year of the course.
- Total annual income should not exceed to Rs. 6.00 lakh per annum.
- Additional Information :-
- Interest subsidy is available on loans sanctioned up to maximum of Rs. 20.00 lakhs.
- Subsidy benefit is available for course period+1 year.
- Income certificate is mandatory to submit every year.
3. Dr. Ambedkar Central Sector Scheme. - Introduction :-
- Dr. Ambedkar Central Sector Scheme is an interest subsidy scheme on educational loan for overseas studies.
- It's main objective is to promote higher education on Other Backward Class (OBC) and Economically Backward Class (EBCs) students.
- The scheme is only for those students who want to pursue their higher education outside India.
- Eligibility :-
- Only Other Backward Class (OBC) and Economically Backward Class (EBC) students are eligible.
- Students who pursue Masters, M. Phil or Ph.D. from abroad.
- Loan should be availed form Schedule Bank.
- OBC certificate should be in prescribed performa.
- Total annual income of Other Backward Students candidate should not exceed to Rs. 8 lakhs per annum.
- Total annual income of Economically Backward Students should not exceed to Rs. 5 lakh per annum.
- Additional Information :-
- This scheme is run by Ministry of Social Justice and Empowerment.
- 50% of the total allocation is reserved for female students.
- Interest subsidy is available on loans sanctioned up to maximum of Rs. 20.00 lakhs.
- Subsidy benefit is available for course period+1 year.
- Income certificate is mandatory to submit every year.
Agri Infrastructure Loan 1. Agri Clinics And Agri Business Centres Scheme (ACABC) - Introduction :-
- Agri Clinics and Agri Business Centres Scheme (ACABC) is run by Ministry of Agriculture and Farmers' Welfare.
- It's objective is to support effort of public extension, support agriculture development and to create self employment opportunities for unemployed agriculture graduates/post graduates.
- Agri Clinics provide expert advice to farmers on different issues like :- soil health, crop practice, crop insurance, plant protection,clinical services for animals, price of various crops in the market.
- Agri Business Centres are the set up of unemployed trained agriculture professionals.
- 44% project cost subsidy will be provided to women, SC/ST and all candidates from North Eastern and Hill States.
- 36% project cost subsidy is for all others.
- Eligibility :-
- Candidates who have completed their training through National Institute of Agriculture Extension (MANAGE).
- Unemployed agriculture graduates graduated in subject like Horticulture, Animal Husbandry, Forestry, Dairy, Veterinary, Poultry Farming and Sericulture.
- Post Graduates in agriculture and allied subjects.
- Diploma/ Degree in agriculture and allied subjects.
- Agriculture related courses at 12th class level.
- Additional Information :-
- Age limit is 18 to 60 years.
- No retired official is eligible under this scheme.
- Eligible ceiling cost for subsidy is Rs. 20 lakhs for individual project.
- Ceiling cost for group project is Rs. 100 lakh.
- For successful individual project the ceiling cost is Rs. 25 lakhs.
- Graduates from agriculture background will be given free of cost training.
2. Agricultural Marketing Infrastructure (AMI). - Introduction :-
- Agriculture Marketing Infrastructure is a central government backed scheme to promote agriculture marketing infrastructure projects for reducing the involvement of minimizing post-harness losses.
- It's main objective is to develop storage infrastructure, to promote latest technologies, etc.
- Marketing Infrastructure projects are cleaning, grading, sorting, packaging, and value addition activities like Mini Oil Expeller, Mini Dal Mill, and Development of Rural Haats.
- Eligibility :-
- Farmers
- Group of Farmers/Growers.
- Local Bodies.
- Panchayats
- partnership/Proprietary Firms
- Company
- NGOs etc.
- Additional Information :-
- For storage infrastructure, the storage capacity should be 50 to 5000 Metric Tonne for promoters and 50 to 10000 Metric Tonne for State Agencies are eligible for claiming subsidy.
- Promoter's contribution should be minimum 20% to maximum 50% of the project cost.
- For North Eastern States, Sikkim UTs of Andaman & Nicobar and Lakshadweep Island and Hilly Areas, the subsidy amount is 33% of project cost.
- For Registered FPOs, Panchayats, Women, Schedule Caste (SC)/ Schedule Tribe (ST)Entrepreneurs, Self Help Groups, the subsidy amount is 33% of project cost.
- For all other beneficiaries, the subsidy amount is 25% of the project cost.
3. Agriculture Infrastructure Fund. - Introduction :-
- Agriculture Infrastructure Fund is a long term financial assistance for building infrastructure for post harvest stage.
- Through this farmers will able to sell their produce in the market with reduced post harvest losses.
- Eligibility :-
- Primary Agriculture Credit Societies (PACS).
- Marketing Cooperative Societies.
- Farmers.
- Self Help Group (SHG).
- Farmer Producers Organization (FPOs).
- Joint Liability Group etc.
- Additional Information :-
- Improved marketing infrastructure allows farmer to sell their produce directly.
- All loans have interest subvention of 3% per annum up to a limit of Rs. 2 crore.
- The subvention will be available only for 7 years.
- Moratorium period of the scheme is minimum six month and maximum 2 years.
Business Activity Loan 1. Prime Minister's Employment Generation Programme (PMEGP). - Introduction :-
- Prime Minister Employment Generation Programme is administered by Ministry of Micro, Small and Medium Enterprises (MoMSME).
- Scheme is implemented by Khadi and Village Industries Commission.
- It is a subsidy program for setting up new micro enterprises in non-farm sector.
- Subsidy on Bank Loan from 15% to 35% is given for projects up to Rs 50 Lakh in manufacturing and Rs. 20 Lakh in service sector.
- For Schedule Caste (SC)/ Schedule Tribes (ST)/ Women/ PH/ Minorities/ Ex Servicemen/ North Eastern Region, the subsidy is 35% in rural areas and 25% in urban areas.
- Eligibility :-
- Age should be above 18 years.
- There is no income ceiling.
- No educational qualification is required for project cost up to Rs 10 lakh in manufacturing and up to Rs. 5 lakh in service sector.
- Units already availing government subsidy are not eligible under this scheme.
- Additional Information :-
- This scheme is implemented to create employment opportunities.
- Through this scheme the wage earning capacity are also increase.
2. Weaver Mudra Scheme (WMS) - Introduction :-
- Weaver MUDRA Scheme provides financial assistance to handloom weavers through weaver's credit card or term loan.
- Financial assistance is provided for working capital and purchase of tools and equipment.
- Eligibility :-
- Handlooms Weavers involved in weaving activity.
- Weaver Entrepreneur.
- Self Help Groups, Joint Liability Group.
- Primary Handloom Weavers.
- Apex Handloom Weavers.
- Producer Companies.
- Additional Information :-
- Money Support up to Rs. 42,000/- per weaver.
- Interest Subsidy up to 3% on bank loan.
- Reimbursement of 1 time guarantee fees.
- Maximum loan amount is Rs. 2 lakhs.
- No collateral required.
- Repayment period is 3 years.
3. Pradhan Mantri MUDRA Yojana (PMMY) - Introduction :-
- Pradhan Mantri Mudra Yojana is a scheme to provide loans to non-cooperate, non farming small and micro enterprises.
- There are three categories under this scheme.
- First category is Shishu in which loan amount of up to Rs 50,000/- will be provided.
- Second category is Kishore in which loan from Rs. 50,001 to Rs. 5 Lakh will be provided.
- And the last category is Tarun in which loan from Rs. 5,00,001 to Rs. 10 lakhs will be provided.
- Mudra loans will be provided for Trading, Manufacturing and for services sector.
- Eligibility :-
- Individuals.
- Proprietary Concern.
- Partnership Firm.
- Private Limited Company.
- Public Company.
- Any other Entities.
- Applicant should not be a defaulter of any bank.
- Additional Information :-
- No collateral required.
- There is no subsidy for the loan given under Prime Minister Mudra Yojana.
4. Pradhan Mantri Street Vendor Aatmanirbhar Nidhi Scheme (PM SVANidhi) - Introduction :-
- Prime Minister Street Vendor AtmaNirbhar Nidhi (PM SVANidhi)is a micro credit facility launched to provide affordable loans to street vendors.
- No collateral required up to the working capital loans of Rs. 10,000/- for 1 year tenure.
- Interest subsidy on time repayment is 7%.
- Rs. 100/- cash back on digital transactions.
- If first loan repaid timely, then the loan eligibility will be increases to Rs. 20,000/- and further to Rs. 50,000/-.
- Eligibility :-
- Street Vendor who is in possession of Certificate of Vending.
- Vendors identifies in the survey by Urban Local Body.
5. Self Employment Scheme for Rehabilitation of Manual Scavengers (SRMS) - Introduction :-
- This scheme is implemented to rehabilitate the manual scavenger and their dependents in other occupation.
- Eligibility :-
- Manual Scavengers identified by State Governments.
- Sanitation Workers and their dependents are only eligible for assistance for self employed projects.
- Benefits :-
- One time cash assistance of Rs. 40,000/- to one scavenger per family.
- Skill development training for up to 2 years with stipend of Rs.3,000/- per month.
- Subsidized Loans for self employment projects.
- Additional Information :-
- Maximum Loan repayment period is 5 years for project up to Rs. 5 lakh.
- Maximum Loan repayment period is 7 years for project more than Rs. 5 lakhs.
6. Stand Up India Scheme (StandUpIndia) - Introduction :-
- Stand Up India Scheme is a scheme to facilitate bank loans to Schedule Caste (SC)/ Schedule Tribes (ST)and Women Entrepreneurs for setting Greenfield Projects.
- Green Field is a First-Time venture of the beneficiary.
- Working Capital loans between Rs 10 lakh to 1 Crore will be provided under this scheme.
- Tenure of loan is 7 years.
- Maximum moratorium period is 18 months.
- Eligibility :-
- SC/ST and Women Entrepreneurs.
- Enterprises must be in manufacturing, services, agri-allied activities or in the trading sector.
- If there is a partnership firm then 51% of the shareholding should be holded by SC/ST or Women Entrepreneur.
- Additional Information :-
- There is no collateral security require for the loans.
- Repayment period of loan is 7 years.
Livelihood Loan 1. Deendayal Antyodaya Yojana-National Rural Livelihoods Mission (DAY-NRLM) - Introduction :-
- Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) is a poverty elimination schemes runs by Ministry of Rural Development.
- The main objective of this scheme is to covert 8 to 10 crore poor people into Self Help Groups (SHGs) in aphased manner.
- This also increase their income and improves the quality of life.
- Eligibility :-
- Self Help Groups should be active at least since the last 6 months.
- Self Help Group should do Regular Meetings, Regular Savings, Regular Inter-Loaning, Timely Repayment, and Up to date books of accounts.
- Qualified as per the grading norms fixed by NABARD.
- Additional Information :-
- No collateral is required for loans up to Rs 10 lakhs to Self Help Groups.
- Self Help Group can apply for term loan or cash credit limit.
- Introduction :-
Document required
- Each scheme has different documentation required.
- But the basic required document is :-
- Aadhaar Number.
- Voter ID.
- PAN Card.
- Bank Statement.
How to Apply
- First Beneficiary have to check his/her eligibility by taking simple steps.
- Out of 4 loan categories i.e. Education Loan, Agri Infrastructure Loan, Business Activity Loan, and Livelihood Loan, beneficiary have to choose check eligibility by choosing his/her category.
- For checking eligibility, the required fields are :-
Category Required Fields for Checking the Eligibility. Educational Loans - Select the location of study :- Within India or Outside India.
- Enter Gross Family Annual Income.
- Choose Social Category :- Whether General, OBC, SC/ST or Minority.
- Select the Course :- Graduate, Post Graduate, Doctorate, Other.
- Duration of the Course.
- Type of the Course :- Full Time, Part Time, Distance Learning or Other.
- Course Fees.
- Amount Invested By Beneficiary.
- Then after clicking on Calculate eligibility, portal shows each and every scheme for whom a person eligible for.
Agri Infrastructure Loan - Select the nature of the business :- Individual or Non-Individual.
- Choose Gender.
- Select Social Category :- Whether General, SC/ST, OBC, Minority.
- Click on Yes if Beneficiary is a resident of Northeastern Region/ States of Uttarakhand, Himachal Pradesh, Jammu and Kashmir, Andaman and Nicobar Island, Lakshadweep Island, Hilly Areas or Tribal Areas.
- Choose the Purpose of the Loan
- Enter the Project Cost.
- Enter the Amount Invested by the Beneficiary.
- Then after clicking on Calculate eligibility, portal shows each and every scheme for whom a person eligible for.
Business Activity Loan - To check the eligibility for available schemes, beneficiary have to choose one of the 4 categories mentioned in the portal :-
1. Loan for Handloom Weaver.
2. Loan for Manual Scavenger.
3. Loan for Street Vendors
4. Other Business Loan - After choosing one of the category, beneficiary have to fill required details about the business.
- Then after clicking on Calculate eligibility, portal shows each and every scheme for whom a person eligible for.
Livelihood Loan - Select from the given option whether beneficiary belongs to Self Help Group or an Individual.
- After choosing, fill all the required details and click on check eligibility.
- After clicking portal shows each and every scheme for whom a person eligible for.
- Thereafter beneficiary has to register himself/herself on the portal.
- Beneficiary can register himself/herself by their phone number and Email ID
- First enter the mobile number and the portal will verify it by sending OTP.
- After mobile number got verified, beneficiary has to enter their Email ID.
- An OTP is sent by the portal to beneficiaries Email ID for verification.
- After Email verification, beneficiary have to choose password for Log in.
- After choosing password, beneficiary will get entered into the portal and the list of all the schemes are visible.
- According to his/her eligibility, the beneficiary can select the scheme and avail the benefit.
List Of Partner Banks
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Important Links
- JanSamarth Portal.
- All Schemes of JanSamarth Portal.
- New Registration.
- Applicant Login.
- Other User Login.
- Grievance Redressel.
- Ministry of Education.
- Ministry of Social Justice and Empowerment.
- Ministry of Agriculture and Farmers' Welfare.
- Official Facebook Page.
- Official Instagram Page.
- Official Twitter Handle.
- FAQs.
Contact Details
- For Borrower :-
- Email :- Customer.support@jansamarth.in.
- Phone Number :- +917969076111.
- For Bank and Others :-
- Email :- Bank.support@jansamarth.in.
- Phone :- +917969076123.
मंत्रालय
जाति | लाभार्थी व्यक्ति का प्रकार | योजना का प्रकार | सरकार |
---|---|---|---|
उपरोक्त क्षेत्र की समान योजनाएं: ऋृण
Sno | CM | Scheme | सरकार |
---|---|---|---|
1 | Pradhan Mantri Mudra Yojana (PMMY) | केन्द्रीय सरकार | |
2 | Divyangjan Swavalamban Scheme | केन्द्रीय सरकार | |
3 | प्रधानमंत्री स्वनिधि योजना | केन्द्रीय सरकार | |
4 | पीएम विश्वकर्मा योजना | केन्द्रीय सरकार | |
5 | स्टार्टअप हेतु ऋण गारंटी योजना | केन्द्रीय सरकार |
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not so enough schemes…
not so enough schemes available in portal
is there any scheme on this…
is there any scheme on this portal which is for international study loan?
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the portal said my aadhar card is not verified. how do i verified my aadhar card?
what to do if you are not…
what to do if you are not eligible under any scheme
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