As India’s startup ecosystem continues to accelerate, the government is strengthening its digital support infrastructure to make business financing more accessible. One of the most significant developments is the JanSamarth Portal, a unified platform designed to connect borrowers with government-backed credit schemes — including dedicated Startup Loans under the Credit Guarantee Scheme for Startups (CGSS).
Launched by the Ministry of Finance, the JanSamarth Portal aims to streamline loan applications, reduce paperwork, and offer transparent, fast, and structured access to credit for emerging entrepreneurs.
What Is JanSamarth Portal?
The JanSamarth Portal is a centralized credit delivery platform that integrates 13 government credit-linked schemes with 125+ partner banks. It covers loans related to education, agriculture, business, and livelihood sectors. For startups, the portal offers a seamless gateway to avail CGSS-supported loans that help new businesses scale without heavy collateral requirements.
The platform’s goal is to promote inclusive and transparent lending, ensuring that entrepreneurs can easily discover and apply for suitable government-backed schemes.
Startup Loan Under JanSamarth (CGSS Scheme)
The Credit Guarantee Scheme for Startups (CGSS) is designed to support innovative and scalable startups by providing guaranteed credit with flexible terms.
Key Highlights:
- Loan Amount: ₹10 lakh to ₹5 crore+
- Collateral: Not mandatory due to government guarantee
- Eligible Businesses: DPIIT-recognized startups across tech, manufacturing, services, and innovation-led sectors
- Purpose: Product development, operations, market expansion, technology upgrades, working capital
Eligibility Criteria for Startup Loan
To apply for the Startup Loan via JanSamarth, entrepreneurs must fulfill the following:
- The startup must be DPIIT-recognized
- Business must be less than 10 years old
- Turnover must not exceed ₹100 crore
- Promoters must not be wilful defaulters
- Business model should be innovation-driven or highly scalable
- Founder must be an Indian citizen with valid KYC documents
- CIBIL Score preferably 650+ (though CGSS offers flexibility)
Required Documents for Startup Loan
- Aadhaar & PAN of founders
- DPIIT recognition certificate
- Company registration documents (Pvt Ltd / LLP / Partnership)
- Business plan or pitch deck
- Financial projections
- Bank statements (6–12 months)
- GST certificate (if applicable)
How to Apply for a Startup Loan on JanSamarth Portal: Full Process
Step 1: Visit the Website
Go to the official platform: https://www.jansamarth.in/home
Step 2: Register Online
- Click Login/Register
- Enter mobile number → verify via OTP
- Complete KYC using PAN & Aadhaar
Step 3: Select “Startup Loan (CGSS)”
Under credit-linked schemes, choose the startup loan category and begin eligibility assessment.
Step 4: Complete Eligibility Questionnaire
Provide details about your business, turnover, registration, and funding requirement.
Step 5: Fill the Application Form
Enter founder and business details, startup stage, financial data, and loan purpose.
Step 6: Upload Documents Digitally
Upload all required documents in PDF or image formats.
Step 7: Choose a Bank
Select from 125+ partner lenders, including SBI, PNB, ICICI, HDFC, Canara Bank, and others.
Step 8: Bank Verification & Due Diligence
Banks review your business plan, CIBIL score, and startup viability. Additional documents may be requested.
Step 9: Loan Sanction
If approved, the bank issues a sanction letter and loan terms.
Step 10: Disbursement
Funds are released to the startup’s business account after formal agreement signing.
Why Startup Founders Prefer JanSamarth?
- Single-window loan processing
- Transparent approval system
- Collateral-free support under CGSS
- Faster digital evaluation
- Access to leading public & private banks
- Easy tracking of application status
⚠️ Disclaimer:
This article is for informational purposes only. Startup loan policies, eligibility standards, interest rates, and guidelines may change over time. Applicants must verify the latest details directly from the official JanSamarth Portal or respective banks before applying.
