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Jansamarth Portal – All you need to know

Government of India launched Jansamarth Portal, the first digital portal in India which links all types of lending schemes sponsored by Government Of India in one portal. Here, anyone can apply for loans as per their eligibility.

Who is eligible for Jansamarth?

As per your loan requirement you can check your eligibility within the portal.
After answering basic questions, you will be provided with the best eligible scheme. Anyone can apply for any of the four types of loans

Types of Loans provided under Jansamarth

1. Education Loan:

3 Government sponsored schemes are provided under it:

i) CSIS- Central Sector Interest Subsidy Scheme, for students pursuing technical/professional courses in India, having an annual parental income less than Rs.4.5 Lakh. Full interest subsidy durng the moratorium period is provided.
ii) Padho Pradesh – For individuals from the minority community, they can avail interest subsidy to study abroad.
iii) Dr. Ambedkar Central Sector scheme – For Students belonging to OBC and EBCs for overseas studies under approved courses at Masters, M.Phil and Phd level

2. Buisness Loan:

i) Prime Minister Employment Generation program: Anyone above 18 years can apply for a loan for any new business plan. Margin money subsidy from 15% to 35% is provided by government as per applicants eligibility.

ii) Weaver Mudra Scheme: Special scheme for handloom weavers involved in weaving activities, a 7% interest subvention is provided by the government as per applicants eligibility.

iii) Pradhan mantra Mudra Yojna: Loan upto 10 Lakhs is provided under three categories:
a) Shishu Loan: upto Rs. 50,000/- for new business and start-up
b) Kishore Loan: Rs.50,001 to Rs. 5,00,000/- for buying equipment or machinery or raw materials.
c) Tarun Loan: Rs.5,00,001 to Rs.10,00,000/- for setting up enterprises and business.

iv) Pradhan Mantri Street Vendor atmanirbhar Nidhi scheme: Loan upto Rs. 10,000/- is provided to street vendors, interest subsidy @7% is provided for early/timely repayment.

v) Self-Employment scheme for Rehabilitation of Manual scavengers: Sanitation workers
and manual scavengers and their dependents allotted id as per government survey are eligible. Interest subsidy and credit guarantee is provided as per their eligibility

vi) Stand Up India Scheme: bank loans to sc/st and women enterprenurs for setting up
new business and start up

3. Livelihood Loan:

Deendayal Antyodaya Yojna National Rural Livelihoods Mission (Day- Nrlm): Self Help
Groups in rural district are eligible for the scheme @7% sub vented rate , additional interest subisidy upto 3% is provided if timely repayment of the loan is done.

4. Agri Infrastructure Loan:

i) Agri Clinics and Agri business Centre scheme: For unemployed agriculture graduates
who can provide assistance to farmers for different types of agriculture activities. Subsidy is given to graduates who are certified by MANAGE, an agriculture based training programme.

ii) Agriculture Infrastructure scheme: for improving agriculture infrastructure, subsidy is
decided as per eligibility @ 25% to 33.33%

iii) Agriculture Infrastructure Fund: long term finances for building large infrastructure
for post harvest stage,interest subvention of 3% per annum.

Benefits of Jansamarth Portal:

Total of 13 types of government schemes is available in the portal, which provides knowledge regarding the schemes as well as eligibility for any applicant, making it easier for anyone to know which is the best scheme for them for their future development, how much subsidy government provides to them, what kind of government benefits can be received and how easily can the loan be applied and approved as per their bank selection.

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