One portal, a dozen government loan schemes.
JanSamarth is the Government of India's unified digital platform linking credit-linked government schemes across education, agriculture, MSME and livelihood categories, so a borrower can check eligibility and apply without navigating a dozen separate scheme websites.
An aggregator, not a lender in itself
JanSamarth does not disburse funds directly. It is an open-architecture platform that brings multiple credit-linked government schemes — MSME loans, education loans, agricultural credit, Kisan Credit Card, PM SVANidhi and others — onto a single digital front end, using smart eligibility-matching so an applicant is guided to the scheme and lender combination they actually qualify for, rather than applying blind.
The portal uses an auto-recommendation system: you enter your profile and requirement once, and the system checks eligibility across the linked schemes and suggests the best fit, reducing the trial-and-error of approaching multiple bank branches or scheme desks separately. Over two hundred and fifty lenders participate, including major public sector and private banks.
As with psbloansin59minutes, in-principle guidance from the portal is followed by final processing at the selected bank branch, which conducts its own verification before disbursal. State governments and other institutions can also onboard their own schemes onto the platform under its open architecture, so coverage continues to expand.
Who can use JanSamarth
- Any applicant seeking credit under one of the linked government schemes
- Registration via mobile OTP, free of charge
- Eligibility for the underlying scheme (e.g. Mudra, Stand-Up India) still applies — the portal aggregates access, it does not waive scheme conditions
Getting the most from the portal
It aggregates access, not eligibility
Using JanSamarth does not change the underlying eligibility conditions of, say, Mudra or Stand-Up India — it simply presents the right scheme to you based on your profile. Understanding the specific scheme's conditions still matters once you are matched to it.
Bank-integrated access can differ from the direct portal
Some banks integrate JanSamarth directly into their own portals. If you encounter an issue through a bank's integration, going directly to jansamarth.in is generally the more reliable path, since the underlying data is the same but the direct portal is the primary interface.
One application, multiple scheme checks
Rather than approaching separate desks for an MSME loan, an education loan or agri-credit in the hope one works out, entering your profile once and letting the eligibility engine surface the right match saves considerable time.
Documents required
Incomplete files cause most multi-week delays. We assemble the full set upfront, in the order credit teams read it.
KYC & constitution
- PAN & Aadhaar of all promoters / partners / directors
- Certificate of incorporation, MOA-AOA or partnership deed
- Board resolution or partners' authority letter
- GST registration & trade licence
Portal registration
- Mobile number for OTP-based registration
- Business, education or agri-project details relevant to your requirement
- Bank and financial documents specific to the matched scheme
Using JanSamarth with our help
Profile and requirement mapping
We help identify which of the linked schemes genuinely fits your situation before you register.
Portal registration and application
Registered and applied through jansamarth.in with complete, consistent details.
Bank follow-through
Once matched to a bank and scheme, we coordinate the verification stage through to sanction.
Related facilities & deep-dive guides
Every facility below is placed through the same 80+ lender panel. The long-form guides carry the working numbers, worked examples and lender-by-lender detail.
Frequently Asked Questions
The questions our advisory desk is asked most often about JanSamarth-Linked Schemes.
No. It is a digital aggregator platform linking multiple credit-linked government schemes to participating lenders. Actual lending and final sanction happen at the bank or financial institution you are matched to.
Over thirteen credit-linked schemes across four categories: education loans, agriculture credit (including Kisan Credit Card), MSME loans (including Mudra and Stand-Up India-linked flows), and livelihood support schemes such as PM SVANidhi.
Yes, registration via mobile OTP is free, with no charge for using the eligibility matching and application features of the platform.
No. The portal aggregates access and matches you to schemes you already qualify for; it does not change or waive the underlying eligibility conditions of Mudra, Stand-Up India, or any other linked scheme.
Some banks integrate JanSamarth directly. If an issue arises through that integration, going directly to jansamarth.in is generally the more reliable path, since it is the primary interface for the platform.
Tell us what you need. We'll do the running around.
Share a few details and a CreditCares expert will call you back to map your eligibility and shortlist the right lenders — at no cost.