Benefit amounts, instalment structure, and eligibility rules below are sourced from the Ministry of Women & Child Development and the official PMMVY portal. Always cross-check the latest circular before applying, since welfare-scheme rules can be revised.
| Parameter | Details |
|---|---|
| Full Scheme Name | Pradhan Mantri Matru Vandana Yojana (also written as Matritva Vandana Yojana) |
| Abbreviation | PMMVY |
| Ministry | Ministry of Women & Child Development |
| Nature | Centrally Sponsored Maternity Benefit Scheme |
| Who Can Apply | Pregnant and lactating women (excluding those in regular government employment) |
| Benefit for 1st Living Child | ₹5,000 (in two instalments) |
| Benefit for 2nd Child (if a girl) | ₹6,000 (one instalment) |
| Total Registrations (cumulative) | Over 4.2 crore women |
| Official Website | pmmvy.wcd.gov.in |
| Helpline | 14408 (Toll-Free, multilingual) |
Table of Contents
- What Is PMMVY?
- Objectives of the Scheme
- Key Features & Benefits
- Instalment Breakdown
- Eligibility Criteria
- Who Is NOT Eligible
- Documents Required
- How to Apply
- Application & Payment Flow
- Common Mistakes to Avoid
- Pros & Cons
- Frequently Asked Questions
- Quick Links
What Is PMMVY?
Pradhan Mantri Matru Vandana Yojana is a maternity benefit scheme that puts cash directly into the bank accounts of pregnant and breastfeeding women. The idea is simple but powerful: pregnancy and the first months after childbirth are when a woman needs rest and proper nutrition the most — yet this is often exactly when many low-income women, especially wage labourers, feel pressure to keep working. PMMVY offsets some of that lost income and encourages women to attend prescribed health check-ups, register their pregnancy early, and get their child vaccinated on schedule.
The scheme is run through Anganwadi Centres and health facilities at the grassroots level, supported by Anganwadi Workers (AWWs) and ASHA workers, who help eligible women register and track their benefit status. Since March 2023, the entire process has been digitised through the PMMVYsoft MIS (Management Information System), which tracks registrations and payments online.
Objectives of the Scheme
- Provide partial wage compensation so pregnant/lactating women can rest properly before and after delivery
- Encourage early registration of pregnancy and regular antenatal check-ups
- Promote institutional delivery and safe childbirth practices
- Encourage timely immunisation of the newborn
- Improve overall maternal and child health and nutrition outcomes
- Extend an additional incentive for a second child if she is a girl, supporting the broader goal of gender equality alongside schemes like Beti Bachao Beti Padhao
Key Features & Benefits
| Feature | Detail |
|---|---|
| Cash benefit for 1st living child | ₹5,000, paid in two instalments |
| Cash benefit for 2nd child (if girl) | ₹6,000, paid as a single lump sum after birth registration and the first vaccination cycle |
| Mode of payment | Direct Bank Transfer (DBT) into the woman’s own bank account |
| Registration point | Nearest Anganwadi Centre (AWC) or approved health facility |
| Digital tracking | Through the PMMVYsoft MIS and the PMMVY mobile app |
| Facial Recognition verification | Mandatory for all new enrolments since 21 May 2025 to prevent fraud |
| Grievance redressal | Integrated Grievance Module on the PMMVY portal, with SMS ticket tracking |
Instalment Breakdown
For the first living child (Total ₹5,000):
| Instalment | Amount | When It Is Paid |
|---|---|---|
| First | ₹3,000 | On early pregnancy registration and at least one antenatal check-up |
| Second | ₹2,000 | After childbirth registration and completion of the first cycle of the child’s vaccination |
For the second child, if the second child is a girl (Total ₹6,000):
| Instalment | Amount | When It Is Paid |
|---|---|---|
| Single instalment | ₹6,000 | Paid as a lump sum after birth registration of the daughter and completion of the first vaccination cycle |
Eligibility Criteria
| Criterion | Requirement |
|---|---|
| Citizenship | Indian citizen |
| Age | Pregnant woman should generally be 19 years or older |
| Applicability | For the first living child of the family, and additionally for a second child if that child is a girl |
| Family income | Broadly targeted at families with annual income below ₹8 lakh, or those already covered under specific inclusion categories below |
| Automatic inclusion categories | Women holding a MGNREGA job card, PM-KISAN beneficiary families, e-Shram registered women, BPL card holders, or women with disabilities, among others |
| Employment status | Must not be in regular employment with the Central or State Government, or a Public Sector Undertaking (with certain exceptions) |
Who Is NOT Eligible
- Women who are regular employees of the Central Government, State Government, or Public Sector Undertakings (PSUs), except in specific relaxed categories
- Women already receiving a similar cash maternity benefit under another central or state scheme, unless the rules specifically allow a top-up
- Applications for a third child or beyond (the scheme is limited to the first child, plus a second child only if she is a girl)
Documents Required
- Aadhaar card of the pregnant/lactating woman
- Bank passbook / bank account details (in the woman’s own name)
- Mother and Child Protection (MCP) Card, issued by the Anganwadi Centre
- Proof of pregnancy registration and antenatal check-up records
- Birth certificate of the child (for the second/subsequent instalment)
- Immunisation record of the child
- Category proof, if applying under an automatic-inclusion category (MGNREGA card, e-Shram card, PM-KISAN beneficiary ID, BPL card, disability certificate, etc.)
How to Apply
| Step | Action |
|---|---|
| 1 | Visit your nearest Anganwadi Centre (AWC) or approved health facility as early in the pregnancy as possible |
| 2 | Collect the MCP Card and the PMMVY registration form from the Anganwadi Worker or ASHA worker |
| 3 | Fill the form with Aadhaar, bank, and pregnancy details |
| 4 | Complete facial recognition / biometric verification (mandatory for new enrolments) |
| 5 | Attend the required antenatal check-up to trigger the first instalment |
| 6 | After delivery, register the birth and complete the first vaccination cycle to trigger the second (or lump sum) instalment |
| 7 | Track your application and payment status via the PMMVY portal or mobile app using your registration number |
You can also register directly online through the official portal pmmvy.wcd.gov.in, though most rural applicants complete the process with help from their local Anganwadi Worker.
Application & Payment Flow
Common Mistakes to Avoid
- Registering too late: The first instalment depends on early registration — delaying reduces the chance of receiving the full benefit on time.
- Missing the vaccination cycle deadline: The second instalment is linked to completing the first vaccination cycle; delays here delay your payment.
- Providing a bank account not in the woman’s own name: PMMVY funds must go directly to the beneficiary’s own account.
- Skipping facial recognition/e-KYC: New enrolments without this verification (mandatory since May 2025) may face processing delays.
- Assuming eligibility for a third child: The scheme strictly covers only the first child, and a second child solely if she is a girl.
Pros & Cons
| Pros | Cons |
|---|---|
| Direct cash support during a financially vulnerable period | Benefit amount (₹5,000) is modest compared to actual pregnancy-related costs |
| Encourages early registration and regular health check-ups | Multi-step process tied to specific health milestones can delay payment |
| Extra incentive for a girl child supports gender equality goals | Not available to women in regular government/PSU employment |
| Simple, Anganwadi-based application — no need for agents | Requires an Aadhaar-linked bank account and working mobile number |
| Digitised tracking (PMMVYsoft, mobile app) improves transparency | Facial recognition step can be a hurdle in areas with poor connectivity |
Frequently Asked Questions
Q1. How much money will I get under PMMVY?
₹5,000 for your first living child (in two instalments), and an additional ₹6,000 if your second child is a girl — a maximum of ₹11,000 across both children combined.
Q2. Where do I register for PMMVY?
At your nearest Anganwadi Centre, with help from the Anganwadi Worker or ASHA worker, or online at pmmvy.wcd.gov.in.
Q3. Is PMMVY available for a second male child?
No. The additional ₹6,000 benefit applies only if the second child is a girl.
Q4. Can working women apply for PMMVY?
Yes, if they are not in regular Central/State Government or PSU employment. Women in informal work, daily wage labour, or self-employment are eligible.
Q5. How long does it take to receive the payment after registration?
Payment timing depends on completing the linked milestone (antenatal check-up for instalment one, birth registration and vaccination for instalment two); it typically takes a few weeks once documentation is verified.
Q6. What if my PMMVY payment is delayed or not received?
You can raise a complaint through the Integrated Grievance Module on the PMMVY portal or call the toll-free helpline 14408; you will receive an SMS with a ticket number to track resolution.
Quick Links
| Resource | Link |
|---|---|
| 📝 Application / Registration | Click Here |
| 🌐 Official PMMVY Website | Click Here |
| 📊 Check Application / Payment Status | Click Here |
| 🗂️ Other Government Yojana Info | Click Here |
| 🏠 National Government Home Page (India.gov.in) | Click Here |
| ☎️ PMMVY Toll-Free Helpline | 14408 |