The Department of Financial Services (DFS), Ministry of Finance, launched the Startup Common Application Journey on the Jan Samarth Portal on November 12, 2023, during the Public Sector Banks Review Meeting in New Delhi. The application form was launched by Shri M. Nagaraju, Secretary, DFS.
The portal provides a digital platform for startups to access credit across all Public Sector Banks (PSBs), allowing them to apply for loans, compare offers, and track applications. The initiative, backed by a Model Loan Scheme, offers loans up to ₹20 crores under the Credit Guarantee Scheme for Startups (CGSS by NCGTC), which falls under the Department for Promotion of Industry and Internal Trade. The platform integrates data sources such as PAN, GST, Udyam, ITRs, and Credit Bureaus. Special interest concessions are also extended to women entrepreneurs.
The Start-up loan Application form can be accessed at https://www.jansamarth.in/business-loan-startup-scheme.
Key Entities Referenced
Jan Samarth Portal: A digital platform for startups to access credit across Public Sector Banks (PSBs).
Department of Financial Services (DFS): The department within the Ministry of Finance that launched the Startup Common Application Journey on the Jan Samarth Portal.
Credit Guarantee Scheme for Startups (CGSS): A scheme providing loans up to ₹20 crores to startups, backed by the NCGTC and under the aegis of the Department for Promotion of Industry and Internal Trade.
PSB Alliance: An alliance that collaborated with the IBA in developing the Startup Common Application journey.
Indian Banks' Association (IBA): The association involved in the development of the Startup Common Application journey.
Ministry of Finance
Department of Financial Services (DFS)
launches Start-up Common Application
Journey on Jan Samarth Portal
The portal provides a digital platform for startups to
access credit across all PSBs
Posted On: 12 NOV 2025 5:14PM by PIB Delhi
The Department of Financial Services (DFS), Ministry of Finance, has launched the Startup Common
Application Journey on the Jan Samarth Portal during the Public Sector Banks Review Meeting in
New Delhi today. The application form was launched by Shri M. Nagaraju, Secretary, DFS, in the
presence of senior officials of DFS, Chairman, Indian Banks’ Association (IBA), MDs and CEOs of
Public Sector Banks, MD & CEO of PSB Alliance and senior officials of IBA. The Startup Common
Application journey was developed by the IBA in collaboration with PSB Alliance.
The portal provides a single digital platform for startups to access credit across all PSBs. It enables
start-ups to apply for loans, compare offers and track their applications seamlessly through a unified
digital journey.
Backed by a Model Loan Scheme, the initiative provides loans up to ₹20 crores under the Credit
Guarantee Scheme for Startups (CGSS by NCGTC) which is under the aegis of the Department for
Promotion of Industry and Internal Trade. The platform integrates data sources such as PAN, GST,Udyam, ITRs, and Credit Bureaus, ensuring faster processing and greater transparency. Special
interest concessions are also extended to women entrepreneurs which further promotes inclusivity.
This launch marks a major step towards building a collaborative, technology-driven ecosystem for
India’s growing startup sector, reinforcing the government’s commitment to empowering
entrepreneurs in alignment with the vision of Viksit Bharat 2047.
The Start-up loan Application form can be accessed at the following link: https://www.jansamarth.in/b
usiness-loan-startup-scheme
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