NEW DELHI, July 13 -- A centralized portal designed to facilitate loans for government schemes has been plagued by a high rejection rate, prompting the finance ministry to step in. The ministry has asked state-run banks to integrate the JanSamarth portal with their lending management systems, speed up disbursals and resolve the factors behind the 43.2% rejection rate in FY26, two people aware of the development said.

Launched in 2022, JanSamarth allows applicants to check their eligibility, apply online, and get instant digital approval across multiple government loan schemes in one place. Ministries and departments use the portal to track the implementation and performance of credit-linked schemes.

The finance ministry has identified i...