JanSamarth Portal: Registration and How to Apply

Reviewed by: WeCredit Research Team

JanSamarth (jansamarth.in) is the Government of India’s national portal for credit-linked schemes. You answer a few eligibility questions, apply online, and member lenders can send you offers and digital approval. It is not a lender, and it does not guarantee that a loan will be disbursed.

JanSamarth at a Glance

Item	What the official sources say
What it is	National portal for credit-linked central government schemes, launched by the Prime Minister on 6 June 2022
Run by	Ministry of Finance (Department of Financial Services)
Schemes listed	16 central schemes across 8 categories, per PIB in June 2026 (the Finance Ministry page shows 15, so check the portal for the current list)
Lenders onboarded	269 member lending institutions as of 1 June 2026, including public and private banks, regional rural banks, cooperative banks, small finance banks and NBFCs
Access	24/7 on the website and on Android and iOS apps, in 8 languages
Subsidy or loan amount	Set by each scheme, not by the portal
Status	Active

Which Schemes Can You Reach Through It?

PIB groups the schemes into eight categories: credit guarantee coverage, electronic negotiable warehouse receipts financing, home loans, agricultural loans (Kisan Credit Card), renewable energy, agricultural infrastructure, business activity loans and livelihood loans. The Department of Financial Services page names schemes such as:

• Pradhan Mantri Mudra Yojana. See our Mudra loan guide.
• Prime Minister’s Employment Generation Programme (PMEGP)
• PM SVANidhi for street vendors. See our PM SVANidhi guide.
• Kisan Credit Card (general and fisheries) and the Agriculture Infrastructure Fund
• PM Awas Yojana (urban), startup loans, solar roof installation financing, NAMASTE for sanitation workers, weaver support and an exporter credit guarantee

Schemes are added or closed over time. The portal’s own list is the one to rely on.

How the Application Works: Four Steps

The Ministry of Finance describes the flow in four steps. Register on the portal or app first, then:

1. Answer a few eligibility questions. The portal matches you to schemes you may qualify for.
2. Apply online with your details and documents.
3. View offers from lenders and receive digital approval from the lender you choose.
4. Track your application status on the portal.

The Finance Ministry says the portal is integrated with data sources such as Aadhaar, PAN, GST, AgriStack and credit bureaus, so details you enter can be checked in real time. Applications can also be submitted with the help of a bank correspondent, and there is a grievance redressal system on the portal.

Screens and documents differ by scheme and lender, and you will see the current ones when you register.

What “Digital Approval” Does and Does Not Mean

PIB reports that by 1 June 2026 the portal had processed 54.10 lakh applications, with 49.55 lakh digital approvals from lenders. Those approvals are the lender’s decision on the portal. The loan terms, sanction letter, interest rate and disbursal still come from the lender, so read the sanction letter before you accept. Rates and fees are set by lenders and the scheme rules, not by JanSamarth.

JanSamarth vs Applying at the Bank or on a Scheme Portal

	JanSamarth	Bank branch	Scheme’s own portal
Best for	Not sure which scheme fits; want one application to reach several lenders	You already have a bank relationship or need in-person help	Schemes with their own process, such as PMEGP
Who decides the loan	The lender	The lender	The lender, after the scheme’s own checks
Covers all schemes?	No, only the schemes listed on it	Depends on the bank	One scheme each

For a wider look at options, read our government business loan eligibility guide and the MSME online apply guide.

If Your Application Is Not Approved

A lender can decline an application even when the scheme matches your profile. Ask the lender for the reason, fix it, and reapply or approach another lender. Our guide on why business loans get rejected covers common causes. If you think a lender handled your case unfairly, use the grievance option on the portal.

Common Mistakes

• Using a lookalike website. The official address is jansamarth.in. Check the address before you enter personal details.
• Paying an agent to “guarantee” approval. Approval is the lender’s decision.
• Assuming every government scheme is on the portal. Check the scheme list first.
• Entering details that differ from your Aadhaar, PAN or GST records, since the portal checks them against those sources.
• Accepting an offer without reading the interest rate, fees and tenure in the sanction letter.

Frequently Asked Questions

Is JanSamarth a lender?

No. It is a portal that links applicants, lenders and government agencies. The loan comes from the lender you choose.

Is JanSamarth still active in 2026?

Yes. PIB marked four years of the portal in June 2026 and reported 269 lenders and 16 schemes.

Which schemes are on JanSamarth?

Central credit-linked schemes in eight categories, including Mudra, PMEGP, PM SVANidhi, Kisan Credit Card and PM Awas Yojana (urban). The exact list changes, so check the portal.

Can I use it on my phone?

Yes. The portal is available on the web and as Android and iOS apps, in eight languages: English, Hindi, Gujarati, Telugu, Tamil, Marathi, Bengali and Kannada.

Can I track my application?

Yes. Real-time status tracking is the fourth step in the Ministry of Finance’s description of the process.

Does it guarantee a loan or a subsidy?

No. Eligibility, subsidy and the final decision depend on the scheme rules and the lender.

Does WeCredit sanction JanSamarth loans?

No. WeCredit does not sanction government scheme loans. We compare loan options and explain how schemes work. Confirm current terms with the lender and on the official source. See our government loan schemes hub for more scheme guides.

Official Sources

• JanSamarth portal
• Department of Financial Services: JanSamarth Portal
• PIB: 4 years of Jan Samarth Portal
• PIB: Jan Samarth applications and approvals (30 March 2026)