Jansamarth Portal

What’s in store for you?

Jansamarth Portal

Types of Government Loans

Business Activity Loan

Prime Minister’s Employment Generation Programme (PMEGP)

  • Credit-linked subsidy programme by the Ministry of MSME, Govt. of India.
  • Khadi & Village Industries Commission (KVIC) implements it nationally.
  • Aims to generate employment in rural and urban areas by setting up self-employment ventures.
  • Supports new projects and micro-enterprises
  • The project cost is ₹25 lakh for manufacturing units and ₹10 lakh for service units.

Pradhan Mantri Mudra Yojna (PMMY)

  • PMMY offers micro credit up to ₹10 lakh through MUDRA (a SIDBI subsidiary). 
  • Launched on 8th April 2015 to support non-farm enterprises in manufacturing, trading, and services.
  • Mudra Loans don’t require collateral.
  • Categories: Shishu (up to ₹50,000), Kishore (₹50,000 - ₹5 lakh), and Tarun (₹5 lakh - ₹10 lakh).
  • To qualify, the business must be a small manufacturing enterprise, shopkeeper, etc.

Pradhan Mantri Street Vendor Aatmanirbhar Nidhi Scheme

  • The scheme provides collateral-free working capital loans up to ₹10,000 for one year.
  • It aims to support around 50 lakh street vendors in urban and surrounding rural areas.

Standup India Scheme

  • The PM launched this scheme on April 5, 2016.
  • Loans of ₹10 lakh to 1 crore for SC/ST and women entrepreneurs per bank branch.
  • For non-individual enterprises, at least 51% of shareholding must be held by SC/ST or women.

Weavers Credit Card

  • Scheme benefits are available for weavers and ancillary workers involved in weaving.
  • Preference will be given to weavers identified in the third census or by the state.
Smart EMI

Livelihood Loans

DeenDayal Antyodaya Yojana National Rural Livelihoods Mission 

  • The scheme offers financial aid to the urban poor via interest subsidy on bank loans.
  • Interest subsidy above 7% applies to loans for individual or group enterprises.

Self-Employment Scheme for Rehabilitation of Manual Scavengers (SRMS)

  • To rehabilitate scavengers and their dependents effectively.
  • Scavengers will get training, loans, and subsidies through State Channelising Agencies.
  • Banks will claim subsidies from agencies, disbursing them with the loan amount.
  • Beneficiaries can choose any viable self-employment project for income generation.

Key Image

Agri Infrastructure Loan

Agriclinics and Agribusiness Centres Scheme (ACABC)

  • Create self-employment opportunities for unemployed agricultural graduates.
  • Agri-clinic offers expert advice and services on various farming technologies

Agri Marketing Infrastructure

  • Assistance to Micro Food Processing Enterprises creates self-employment for agri-graduates.
  • Develop Agri Marketing Infrastructure, including storage, for agriculture and allied sectors.
  • Promote innovative technologies in post-harvest and agricultural marketing infrastructure.
  • Develop alternative and competitive agricultural solutions for better market opportunities.
  • Enhance the competitiveness of micro-enterprises in unorganised food processing industries.

Agriculture Infrastructure Fund (AIF) Portal

  • Develop GrAMs and APMC/RMC markets to improve marketing and support infrastructure.
  • Boost farmers' market access and cut post-harvest losses, costs, and supply intermediaries.
  • Offer financial aid to agriculture entrepreneurs to boost India's agricultural infrastructure.

Smart EMI

Education Loan

Central Scheme for Interest Subsidy (CSIS) 

  • Applies to Economically Weaker Sections.
  • For pursuing education within India.
  • NAAC-accredited institutions offering professional/technical courses are eligible.
  • Institutions with NBA accreditation, national importance, or CFTI status also qualify.
  • A subsidy is claimable only once for UG, PG, or integrated courses (graduate and postgraduate).

Dr Ambedkar Central Sector Scheme of Interest Subsidy

  • Applicable on overseas studies for OBCs & EBCs.
  • The scheme applies to Master’s, MPhil, and Doctorate programs.
  • OBC candidates must have income within the creamy layer criteria for eligibility.
  • EBC candidates must have an income below ₹2.5 lakh annually to qualify.

Education Opportunities

  • Access funding for studies in and outside India, from graduation to PhD.
  • Focus on economically disadvantaged students./ Focus on Students from economically weaker sections of society.

Contacless Payment

More about JanSamarth Portal

Here are some features of the HDFC Bank JansSamarth Portal:

1. Comprehensive Access: Centralizsed platform for government schemes and financial services.

2. User-Friendly Interface: Intuitive design for easy navigation and application.

3. Application Tracking: Real-time tracking of application status and updates.

4. Document Upload: Facility to upload and manage necessary documents digitally.

5. Scheme Information: Detailed information on various government and financial schemes.

6. Eligibility Check: Tools to check eligibility for different schemes.

7. Customer Support: Access to support for queries and assistance throughout the process.

The JanSamarth Portal offers end-to-end coverage of government loan schemes, ensuring beneficiaries have a seamless experience. It supports education, business, livelihood, and agricultural loans, promoting economic empowerment.

Applying through JanSamarth is straightforward. Visit the portal, select the relevant scheme, check your eligibility, and submit the required documents online. The portal guides you through each step for a hassle-free application.

Frequently Asked Questions

The Jansamarth Portal is a one-stop digital platform that connects beneficiaries with various government-sponsored loan and subsidy schemes. It’s designed to facilitate inclusive growth by providing easy access to financial support.

​​JanSamarth Loan streamlines the process of applying for government-backed financial assistance. Through the public welfare portal, users can check their eligibility, apply for suitable government schemes, and receive digital approval from lenders.​