Jan Samarth Portal: What It Is, Schemes and How Login Works

Jan Samarth is a loan portal, not a university portal. It belongs to the Department of Financial Services in the Ministry of Finance, and it connects people applying for loans under government credit-linked schemes with banks and other lenders. Its address is jansamarth.in.

The name is the only link with the Samarth portals your university uses for admission, exams and results. Those run on samarth.edu.in and samarth.ac.in addresses and have nothing to do with loans. A third “Samarth”, on samarth-textiles.gov.in, is the Ministry of Textiles’ skilling scheme. An account on one of these does not work on the others.

Jan Samarth was launched by the Prime Minister on 6 June 2022.

Looking for an education loan? Start on PM-Vidyalaxmi

At launch, Jan Samarth listed education loans as one of its loan categories. The scheme list on the Department of Financial Services’ Jan Samarth page now names 15 schemes, and none of them is an education loan. Several loan guides still send students to Jan Samarth for education loans and interest subsidy, so it is easy to land on the wrong portal.

Education loans now have their own government portal, PM-Vidyalaxmi, at pmvidyalaxmi.co.in. When the Union Cabinet approved the PM-Vidyalaxmi scheme on 6 November 2024, the government said students would apply for the education loan and the interest subvention through this portal. A July 2026 government note records 6,45,514 education loan applications on it in 2025-26, across all schemes.

What the PM-Vidyalaxmi scheme itself offers, from the government’s July 2026 note:

• Collateral-free and guarantor-free loans for students admitted on merit to one of 1,425 listed higher education institutions. Management quota and NRI quota admissions do not qualify.
• A 75% central credit guarantee on loans up to ₹7.5 lakh.
• 3% interest subvention during the moratorium on loans up to ₹10 lakh, for family income up to ₹8 lakh, limited to one lakh fresh students a year.
• Interest capped at the bank’s EBLR plus 0.5%, with repayment of up to 15 years after the moratorium.

On the portal, a student account starts from Login, then Student Login, then Create an Account. The form asks for name, mobile number, email ID and password, followed by OTPs sent to your email and mobile.

What Jan Samarth covers now

Jan Samarth’s schemes are for farmers, entrepreneurs, small businesses, street vendors, home buyers and exporters. The Department of Financial Services lists these 15:

• Farm and agri credit: Kisan Credit Card, Kisan Credit Card – Fisheries, e-Kisan Upaj Nidhi, Agriculture Infrastructure Fund, and the Agri Clinics and Agri Business Centres Scheme.
• Business and self-employment: Pradhan Mantri Mudra Yojana, Weaver Mudra Scheme, PMEGP, Loan for Startups, PM SVANidhi and the Credit Guarantee Scheme for Exporters.
• Livelihood and welfare: DAY-National Urban Livelihood Mission and NAMASTE.
• Housing and energy: the home loan scheme for EWS, LIG and MIG in urban areas, and Roof Top Solar Installation Financing.

A Press Information Bureau release marking four years of the portal, in June 2026, counted 16 schemes and 269 Member Lending Institutions, with the portal available in 8 languages. The department’s page lists 15 schemes by name, so check the scheme list on the portal itself before you apply.

How to log in and apply on Jan Samarth

Login on Jan Samarth comes after a one-time registration. The government describes the sequence in four parts: you register, check your eligibility under the schemes, submit the application, and get a digital loan decision. You can then follow the application’s status in real time. The portal is open 24 hours a day.

There are three ways in, according to the Department of Financial Services:

• the jansamarth.in website;
• the Jan Samarth mobile app for Android and iOS;
• assisted mode, through a bank’s business correspondent, if you would rather not apply alone.

Jan Samarth checks details against linked government databases. The department names Aadhaar (UIDAI), PAN, GST, CIBIL and Udyam, and the 2026 release adds AgriStack, DPIIT’s Startup Portal and CGTMSE. Keep the numbers you hold for these ready before you start.

If an application gets stuck, the department says Jan Samarth has dedicated grievance channels, one for applicants and one for banks.