Jan Samarth Portal Loan : On June 6, 2022, Prime Minister Narendra Modi launched a “national portal for credit-linked government schemes” called “Jan Samarth Portal”. Jan Samarth Portal is a one-stop digital portal, that links the government credit schemes. It is first of its kind platform, connecting beneficiaries directly to the lenders. This portal has been launched in a bid to encourage inclusive growth and development of several sectors by guiding and providing them the right government benefits by means of simple and easy digital processes. It ensures end-to-end coverage of all the linked schemes.

Jan Samarth Portal is a unique digital portal, that will link 13 Credit Linked Government schemes on a single platform. In a boost to the Centre’s ‘digital India’ initiative, Prime Minister Narendra Modi launched the Jan Samarth Portal for credit-linked government schemes on Friday. According to Prime Ministers’ Office (PMO), the Jan Samarth Portal is a one-stop platform with 13 credit-linked government schemes that will help connect beneficiaries to lenders directly.

Beneficiary can avail four kind of loan here :-

1. Central Sector Interest Subsidy(CSIS)-Education Loan : CSIS is a unique scheme which pivots around the vision that no student desiring to pursue higher education is denied of the opportunity if he/ she is financially poor. This scheme benefits all categories of economically weaker students for pursuing professional/ technical courses in India only, and intends to provide affordable higher education. The Scheme, envisages to uplift the students from the grassroot level and increase the number of qualified technicians/ professionals in the nation. CSIS aims to check the existing geographical imbalance with regard to Gross Enrolment Ratio (GER) in Higher Educational Institutions. Eligibility
   • Education Loans taken under IBA Model Education Loan Scheme.
   • Students having parental income up to Rs. 4.5 lakhs per annum.
   • Students enrolled in professional/ technical courses only from NAAC accredited institutions or professional/ technical programmes accredited by NBA or Institutions of National Importance or Central Funded Technical Institutions (CFTIs). Those Professional lnstitutions/programmes, which do not come under the ambit of NAAC or NBA, would require approval of the respective regulatory body viz, approval of Medical Council of lndia for Medical courses, Nursing Council of lndia for Nursing courses, Bar Council of India for Law etc.
   • Admissible only for once either for UG, PG- Also admissible for integrated courses (graduate + post graduate).

   Interest Subsidy under this Scheme shall not be available to those students who discontinue their course midstream, or who are expelled from the Institution on disciplinary or academic grounds. However, the interest subsidy would be available only if discontinuation is due to medical grounds for which necessary documentation to the satisfaction of the Head of educational institution needs to be provided.

2.  Agri Clinics And Agri Business Centers Schemes (ACABC) :Agriclinics : Agri-Clinics are envisaged to provide expert advice and services to farmers on various aspects to enhance productivity of crops/animals and increase the incomes of farmers. Agri-Clinics provide support in the following areas:
   • Soil health
   • Cropping practices
   • Plant protection
   • Crop insurance
   • Post-harvest technology
   • Clinical services for animals, feed and fodder management
   • Prices of various crops in the market, etc.

   Agribusiness Centres : Agri-Business Centres are commercial units of agri-ventures established by trained agriculture professionals. Such ventures may include maintenance and custom hiring of farm equipment, sale of inputs and other services in agriculture and allied areas, including post-harvest management and market linkages for income generation and entrepreneurship development.

   Eligibility

   The scheme is open to following categories of candidates:

   1. Graduates in agriculture and allied subjects from SAUs/ Central Agricultural Universities/ Universities recognized by ICAR/ UGC. Degree in Agriculture and allied subjects offered by other agencies are also considered subject to approval of Department of Agriculture & Cooperation, Government of India on recommendation of the State Government.
   2. Diploma (with at least 50% marks)/ Post Graduate Diploma holders in Agriculture and allied subjects from State Agricultural Universities, State Agriculture and Allied Departments and State Department of Technical Education.
   3. Diploma in Agriculture and allied subjects offered by other agencies are also considered subject to approval of Department of Agriculture & Cooperation, Government of India on recommendation of the State Government.
   4. Biological Science Graduates with Post Graduation in Agriculture & allied subjects.
   5. Degree courses recognized by UGC having more than 60 percent of the course content in Agriculture and allied subjects.
   6. Diploma/Post-graduate Diploma courses with more than 60 percent of course content in Agriculture and allied subjects, after B.Sc. with Biological Sciences, from recognized colleges and universities.
   7. Agriculture related courses at intermediate (i.e. plus two) level, with at least 55% marks.

   The scheme covers full financial support for training and handholding, provision of loan and credit linked back ended composite subsidy as per the details given in the following section

3. Prime Minister’s Employment Generation Programme(PMEGP) : 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 Centres (DICs) and banks. In such cases KVIC routes government subsidy through designated banks for eventual disbursal to the beneficiaries / entrepreneurs directly into their bank accounts. The maximum cost of the project/unit admissible in manufacturing sector is ₹ 25 lakhs and in the business/service sector, it is ₹ 10 lakhs. Categories of Beneficiary’s Rate of subsidy under PMEGP (of project cost)
   Area (location of project/unit) General category 15%(Urban), 25%(Rural), Special 25%(Urban), 35%(Rural) (including SC/ ST/ OBC/ Minorities/Women, Ex-servicemen, Physically handicapped, NER, Hill and Border areas, etc.) The balance amount of the total project cost will be provided by the banks in the form of term loan and working capital. Any individual, above 18 years of age. At least VIII standard pass for projects costing above Rs.10 lakh in the manufacturing sector and above Rs. 5 lakh in the business / service sector. Only new projects are considered for sanction under PMEGP. Self Help Groups (including those belonging to BPL provided that they have not availed benefits under any other Scheme), Institutions registered under Societies Registration Act,1860; Production Co-operative Societies, and Charitable Trusts are also eligible. 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.
4. Deendyyal Antyodaya Yojana-National Rural Livelihood Mission(DAY-NRLM) :Aajeevika – National Rural Livelihoods Mission (NRLM) was launched by the Ministry of Rural Development (MoRD), Government of India in June 2011.

   Aided in part through investment support by the World Bank, the Mission aims at creating efficient and effective institutional platforms of the rural poor, enabling them to increase household income through sustainable livelihood enhancements and improved access to financial services.

   NRLM set out with an agenda to cover 7 Crore rural poor households, across 600 districts, 6000 blocks, 2.5 lakh Gram Panchayats and 6 lakh villages in the country through self-managed Self Help Groups (SHGs) and federated institutions and support them for livelihoods collectives in a period of 8-10 years.

   In addition, the poor would be facilitated to achieve increased access to rights, entitlements and public services, diversified risk and better social indicators of empowerment. DAY-NRLM believes in harnessing the innate capabilities of the poor and complements them with capacities (information, knowledge, skills, tools, finance and collectivization) to participate in the growing economy of the country.

   In November 2015, the program was renamed Deendayal Antayodaya Yojana (DAY-NRLM).

Important Links

Officia Website : click

Jan Samarth Portal : Registeration