JanSamarth Portal, an initiative by Government of India, is a unique digital portal linking fourteen Credit Linked Government schemes on a single platform, for ease of access to all the beneficiaries and related stakeholders.
The core objective of JanSamarth Portal is to promote inclusive growth and development of various sectors by guiding and providing them to the right type of Government benefits through simple and easy digital processes. The portal ensures end-to-end coverage of all the processes and activities of all the linked schemes.
JanSamarth Portal is currently offering 15 schemes from 5 Ministries. The schemes are from Ministry of MSME, Ministry of Agriculture and Farmers Welfare, Ministry of Fisheries, Animal Husbandry and Dairying, Ministry of Social Justice and Empowerment and Ministry of Tribal Affairs.
| # | Project Description | About the Project | Eligibility Criteria |
|---|---|---|---|
| 1 | e-NWR Financing (e-Kisan Upaj Nidhi) | 1. Farmers having commodities stored in a WDRA registered warehouse. 2. Farmer should have an e-NWR issued against such commodiities. 3. E-NWR should be issued by either of the two repositories namely, National E-Repository Limited (NERL) or CDSL Commodity Repository Limited (CCRL) | ₹ 1. Use electronic -Negotiable warehouse receipts (e-NWR) to apply for secured credit from banks. 2. E-NWRs from Warehousing Development and Regulatory Authority (WDRA) registered warehouses mandatory. 3. Financing for agricultural commodities against e-NWRs available from Banks/ Financial Institutions |
| 2 | Renewable Energy | ₹ Install own Solar power system Registration at National Portal for PM-Surya Ghar (pmsuryaghar.gov.in) is mandatory to avail the loan facility. | |
| 3 | Agriculture Infrastructure Fund (AIF) | 1. Primary Agricultural Credit Societies (PACS). 2. Marketing Cooperative Societies. 3. Farmer Producers Organizations (FPOs). 4. Farmers. 5. Self Help Group (SHG) 6. Joint Liability Groups (JLG). 7. Multipurpose Cooperative Societies. 8. Agri-entrepreneurs, Startups. 9. Central/State agency or Local Body sponsored Public-Private Partnership Projects. | ₹ 1. Agriculture Infrastructure Fund offers long term financial assistance for building infrastructure for post-harvest stage. 2. Development of such infrastructure shall also address the vagaries of nature, the regional disparities, development of human resource and realization of full potential of our limited land resource. 3. Investments in logistics infrastructure, farmers will be able to sell in the market with reduced post-harvest losses and a smaller number of intermediaries. |
| 4 | Agricultural Marketing Infrastructure (AMI) | Farmers, Individuals, Group of farmers/growers, Registered FPOS/FPCs, Partnership/ Proprietary firms, Companies, Corporations; NGOs, SHGs, Cooperatives, Cooperative Marketing Federations; Autonomous Bodies of the Government, Local Bodies, Panchayats; State agencies including State Government Dept. and autonomous organization / State corporations such as APMCs & SAMBS, SWCs, State Civil Supplies Corporations etc | ₹ 1. To promote creation of Agricultural Marketing Infrastructure including storage infrastructure, Directorate of Marketing and Inspection (DMI) an attached office of DA&FW, Ministry of Agriculture and Farmers Welfare is implementing Agricultural Marketing Infrastructure (AMI) a sub-scheme of the Integrated Scheme for Agricultural marketing (ISAM). 2. Major objectives of the scheme includes to promote creation of agricultural marketing infrastructure by providing backend subsidy support to farmers, states, cooperatives and private sector investments and to promote creation of scientific storage capacity in rural areas in order to avoid distress sale and to increase farmers' income. 3. AMI is demand driven, credit linked, back ended subsidy scheme wherein subsidy support @ 25% and 33.33%, available to beneficiaries is routed through NABARD, NCDC and DMI/DAC&FW. 4. Under AMI scheme, the eligible infrastructure projects includes storage infrastructure projects, Marketing infrastructure projects (other than storage) such as cleaning, grading, sorting, packing etc., common facilitation centre for FPOs, common facilities/marketing infrastructure in the market yards (APMCs) and other value addition activities including Mini Oil expeller, Mini Dal mill, development / upgradation to Rural Haats/RPMs as Grameen Agricultural Market (GrAMs), infrastructure for direct marketing, stand-alone standardized cold storage units etc. |
| 5 | Agri-Clinic and Agribusiness Centers Scheme (ACABC) Agriculture Infrastructure Ministry of Agriculture and Farmers' Welfare | 1. Only candidates who have completed training through MANAGE will be eligible for loan/subsidy. 2. Retired Officials are not eligible for subsidy under the scheme, however they can undergo training provided they establish ventures by self-financing and not claim for subsidy. 3. Unemployed Agriculture graduates/graduates in subjects allied to agriculture like horticulture, Animal Husbandry, Forestry, Dairy, Veterinary, Poultry farming and Sericulture, etc. 4. Post-Graduation in agriculture & allied subjects. 5. Diploma/Degree courses recognized by UGC having more than 60 percent of the course content in agriculture and allied subjects. 6. Agriculture related courses at intermediate (i.e., plus two) level, with at least 55% marks. 7. Details of other eligible applicants are given in the ACABC scheme guidelines. | ₹ Agri-Clinics and Agri-Business Centres Scheme (ACABC) is being implemented by the Ministry of Agriculture and Farmers' Welfare, Government of India, in association with NABARD & MANAGE. 2. The objectives of the scheme are to supplement efforts of public extension, support agriculture development and to create gainful self-employment opportunities to unemployed agricultural graduates, etc. 3. Agri-Clinics: Agri-Clinics provide expert advice and services to farmers for soil health, cropping practices, plant protection, crop insurance, post- harvest technologies, as well as offers clinical services for animals, feed and fodder management, prices of various crops in the market, etc. TRUST GUARD SECURED ACTIVE 09-02-24 4. Agri-Business Centers: Agri-Business Centers are units of Agri-ventures established by unemployed trained agriculture professionals, including maintenance and custom hiring of farm equipment, sale of inputs and other services in agriculture and allied areas. 5. 44% of project cost will be as composite subsidy for women, SC/ST & all categories of candidates from NE and Hill states and 36% of project cost for all others. |
| 6 | Prime Minister's Employment Generation Programme (PMEGP) Business Loan Ministry of Micro, Small & Medium Enterprises | 1. Any individual, above 18 years of age is eligible 2. There will be no income ceiling for assistance for setting up projects under PMEGP 3. No Educational Qualification is required for project cost up to 10 Lakhs for manufacturing and up to 5 Lakhs for service sector 4. Beneficiaries should possess at least VIII standard pass educational qualification for setting up of project costing above Rs. 10 lakh in the manufacturing sector and above Rs. 5 lakh in the business/service sector (i) Self Help Groups (including those belonging to BPL provided that they have not availed benefits under any other Scheme), (ii) Institutions registered under Societies Registration Act, 1860, (iii) Production Co-operative Societies, and, (iv) Charitable Trusts are also eligible for assistance under PMEGP. 5. Existing Units (Under PMRY, REGP or any other scheme of Government of India or State Government) and the units that have already availed Government Subsidy under any other scheme of Government of India or State Government are not eligible | ₹ PMEGP is a central sector scheme administered by the Ministry of Micro, Small and Medium Enterprises (MoMSME). The scheme is implemented by Khadi and Village Industries Commission (KVIC) functioning as the nodal agency at the national level. At the state level, the scheme is implemented through State KVIC Directorates, State Khadi and Village Industries Boards (KVIBs), District Industries Centers (DICs), and Coir Board, known as the Implementing Agencies. |
| 7 | Weavers Mudra Scheme (WMS) Business Loan Ministry of Textiles | 1. Handloom Weavers involved in weaving activity 2. Weaver Entrepreneur 3. Self Help Groups, iv. Joint Liability Groups 4. Primary Handloom Weavers' Co-operative Societies 5. Apex Handloom Weavers' Co-operative Societies 6. Producers' Companies/Consortia promoted by handloom weavers including those promoted under Cluster/Mega Cluster/Handloom Parks under SITP or other schemes of Ministry of Textiles. | ₹ 1. Weaver MUDRA scheme offers financial assistance to handloom weavers involved in weaving activity through weaver's credit card or term loan. 2. The financial assistance is provided for working capital, purchase of tools & equipment, as well as to make available the credit to identified handloom weavers. |
| 8 | PM SVANidhi (PM Street Vendor's AtmaNirbhar Nidhi) Scheme Business Loan Ministry of Housing & Urban Affairs | 1. Street vendors in possession of Certificate of Vending / Identity Card issued by Urban Local Bodies (ULBs). 2. The vendors, who have been identified in the survey done by Urban local body but have not been issued Certificate of Vending / Identity Card. 3. Street Vendors who have been left out of the ULB-led identification or who have started vending after completion of the survey and have been issued Letter of Recommendation (LoR) to that effect by the ULB/ Town Vending Committee (TVC and 4. The vendors of surrounding development/peri-urban / rural areas vending in the geographical limits of the ULBs and have been issued Letter of Recommendation (LoR) to that effect by the ULB/TVC. | ₹ 1. PM Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi) is a Special Micro-Credit Facility launched by Ministry of Housing and Urban Affairs, for providing affordable loans to street vendors. 2. Facilitates collateral free Working Capital loans of upto Rs 10,000 for one year tenure. 3. Interest subsidy on timely/early repayment @ 7% 4. Monthly cash-back incentive on digital transactions up to Rs. 100 on undertaking prescribed number of digital transactions. TRUST GUARD SECURED ACTIVE 09-02-24 5. On timely repayment of the first loan, higher loan eligibility of Rs.20,000 and Rs.50,000 in the second and third tranches respectively |
| 9 | Stand Up India Business Loan Department of Financial Services (DFS), Ministry of Finance | 1. SC/ST and Women Entrepreneurs 2. Enterprises may be in manufacturing, services, agri-allied activities or the trading sector. 3. At least 51% of the shareholding and controlling stake should be held by either an SC/ST or Woman entrepreneur if a partnership firm. 4. In case of non-individual enterprises at least 51% of the shareholding and controlling stake should be held by either an SC/ST or Woman entrepreneur. | ₹ 1. To facilitate bank loans to SC/ST and Women Entrepreneurs for setting up Greenfield Projects. Green Field signifies, in this context, the first-time venture of the beneficiary. 2. Composite loans (inclusive of term loan and working capital loan) between 10 lakh and 1 Crore 3. Tenure of the loans is 7 years including a maximum moratorium period of 18 months |
| 10 | Pradhan Mantri Mudra Yojana (PMMY) Business Loan Ministry of Home affairs | 1. Types of Eligible borrowers: Individuals Proprietary Concern Partnership Firm Private Limited Company Public Company Entities of any other legal forms 2. The applicant should not be a defaulter to any bank or financial institution and should have a satisfactory credit track record. 3. The individual borrowers may be required to possess the necessary skills/experience/ knowledge to undertake the proposed activity. 4. The need for educational qualification, if any, need to be assessed based on the nature of the proposed activity, and its requirement. | ₹ 1. Pradhan Mantri MUDRA Yojana (PMMY) is a scheme set up by the Government of India (Gol) for providing Mudra Loans up to Rs. 10 lakhs to the non- corporate, non-farming small & micro enterprises. Mudra Loans are provided under three categories as mentioned below: Up to Rs. 50,000 Shishu Category Rs. 50,001 to Rs. 5 lakhs Kishore Category Rs. 5,00,001 to Rs. 10 lakhs Tarun Category 2. Mudra Loans are provided to income generating small & micro enterprises engaged in: Trading Manufacturing Services Sector 3. Extended by Commercial Banks, MFIs, NBFCs and other financial intermediaries. 4. Provides financial assistance to small and micro businesses to help them develop and expand their businesses. |