IndiaDigital scheme finder and Jan Samarth: which one you need
They do different jobs, so use both. Jan Samarth is the official portal for credit-linked government schemes: 17 loan schemes, with eligibility check, online application and digital approval from 300+ lenders. IndiaDigital is best for a quick private check across about 90 benefit, pension, health, housing and loan schemes, with documents and official links.
Best for a quick private look across many kinds of schemes (pensions, health, housing, cash support, loans).
Best (and official) for checking eligibility and applying for government-backed loans online.
Find schemes you may get →Facts last checked:
Side by side
| Feature | IndiaDigital | Jan Samarth |
|---|---|---|
| Who runs it | IndiaDigital, an independent free site (not official) | Government of India initiative: "National Portal for Credit-Linked Government Schemes" |
| What it covers | About 90 schemes of all kinds: cash support, pensions, health, housing, loans | 17 central government credit-linked schemes across 9 loan categories |
| Eligibility check | 12 quick questions across all schemes | "Answer few questions" per loan category |
| Apply online | No: links to the official apply page | Yes: apply online, view offers from 300+ lenders, digital approval and tracking |
| Where your answers go | Matching runs in your browser; nothing is sent | Your application and documents go to the portal and lenders, as needed to process a loan |
| Cost | Free | Their homepage states the portal does not ask applicants for any kind of payment |
You need a loan under a government scheme
Go to Jan Samarth. As of 30 Oct 2026 it lists 17 central schemes in 9 loan categories, such as Kisan Credit Card, business activity loans and skill loans, and lets you check eligibility, apply online and get digital approval from participating lenders. We cannot do any of that.
You want to know everything you might get
IndiaDigital's finder covers far more than loans: PM-KISAN, Ayushman Bharat, PM Awas, Ujjwala, pensions and the biggest state schemes. Answer 12 questions privately and you get a shortlist, documents and official links, including Jan Samarth for loan schemes.
Where Jan Samarth is stronger
- Official, and you can actually apply and get digital loan approval.
- 300+ lenders on the platform and application tracking.
Where IndiaDigital is better
- Covers non-loan schemes too (cash support, pensions, health, housing).
- No login, and your answers stay on your phone.
Frequently asked questions
Is Jan Samarth only for loans?
Yes. As of 30 Oct 2026 it is the portal for credit-linked government schemes: 17 schemes in 9 loan categories.
Does Jan Samarth charge a fee?
Their homepage states the portal does not ask applicants for any kind of payment. Be wary of anyone who asks for a fee to get a scheme loan approved.
Can I apply for a loan on IndiaDigital?
No. IndiaDigital only helps you find schemes and links to the official portal, such as Jan Samarth, to apply.
Sources
Facts last checked:
Jan Samarth is named only to identify the service. Facts about it come from its own pages and may change. Prices and features are as shown on the date above. Spotted something out of date? Tell us. Contact us