JanSamarth - Applicant

Online PSB Loans

About this app

"JanSamarth is a digital portal for Credit Linked Govt. Schemes, all on a single platform. The platform hosts 16 Govt. Schemes under 8 Loan Categories, 8+ Ministries, 10+ Nodal Agencies with 250+ Lenders connected on platform."
This digital platform and is available 24x7 in multiple languages. It empowers common man to digitally check eligibility under various schemes, apply for loan, get instant loan offers and digital approvals from banks and track loan applications on a real time basis.
The Govt. Schemes under various Loan Categories and the scheme objectives are as under:
1) Emergency Credit Line Guarantee Scheme 5.0
An initiative of Government of India to provide credit guarantee coverage of 100% for MSMEs and 90% for non-MSMEs as well as the airline sector.

2) E-kishan Upaj Nidhi (E-KUN)
Use your electronic- Negotiable Warehouse Receipts (e-NWR) to apply for secured credit from banks.

3) Home Loan
3.1) Home loan scheme for EWS LIG and MIG: Urban Areas (HL-U)
A DFS, GoI initiative to provide home loans to individuals with a source of income — including those with minimal/no documented income proof but with digital footprints of banking and economic activity — with family income up to ₹9 lakh.

4) Agri Loan - Kishan Credit Card
4.1) KCC Crop Loan
4.2) KCC Firsheries
Aims to provide farmers with timely and adequate credit to meet their credit needs.
To meet the short term credit requirements & Post harvest expenses.

5) Renewable Energy
5.1) Roof Top Solar Installation Financing (SOLAR)
Install your own Solar power system. Reduce your high electricity tariffs by installing Roof Top Solar Systems in your house.

6)Agriculture Infrastructure Loan
6.1) Agri Clinics and Agri Business Centers Scheme (ACABC)
Supplement public extension efforts, support agricultural development and create gainful self-employment opportunities for unemployed agricultural graduates.
6.2) Agriculture Infrastructure Fund (AIF)
Provide long-term financial aid to create post-harvest infrastructure, helping farmers sell crops in the market with reduced losses and fewer intermediaries.
7) Business Activity Loan
7.1) Prime Minister’s Employment Generation Programme (PMEGP)
Bank financed subsidy program for setting up new micro-enterprises in the non-farming sector.
7.2) Weaver Mudra Scheme (WMS)
The scheme offers financial assistance to handloom weavers for working capital, purchase of tools and equipment.
7.3) Pradhan Mantri MUDRA Yojana (PMMY)
MUDRA Loan is provided to the non-corporate, non-farming small & micro enterprises to help them develop and expand their businesses.
7.4) PM SVANidhi (PM Street Vendor’s AtmaNirbhar Nidhi) Scheme
Special micro credit facility for providing affordable loans to street vendors. Scheme facilitates collateral-free working capital loans.
7.5) National Action for Mechanized Sanitation Ecosystem (NAMASTE)
To promote mechanized cleaning/sanitation projects by identified manual scavengers, Safai Karamcharis and their dependents, ULBs will award cleaning contracts and issue job guarantees to the concerned banks.
7.6) Loan for Startups (START)
To foster innovation and entrepreneurship for a vibrant startup ecosystem, create employment opportunities and achieve inclusive socio-economic growth and wealth creation.

7.7) Credit Card for Micro Enterprises (CCME)
To enable credit access on easier terms and through a faster process to Micro Enterprises for financing their working capital requirements up to ₹5 lakh, strictly for business-related expenses.
8) Livelihood Loans
8.1) Deendayal Antyodaya Yojana-National Rural Livelihoods Mission (DAY-NRLM)
Mobilizing rural poor households into SHGs phase-wise and providing long-term support to access financial and livelihood services, so they diversify livelihoods, improve incomes and quality of life.

What’s new

Application enhancements
For security enhancement and region for india