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Pradhan Mantri Matru Vandana Yojana: Benefits, Eligibility, How to Apply

10^th Dec 2025...

Published By : Team 811

Pradhan Mantri Matru Vandana Yojana Latest News (2025)

PMMVY 2.0 continues to be implemented under the Mission Shakti initiative.
Revamped scheme effective from April 1, 2022, that promotes maternal and child welfare.
Over 2.89 crore pregnant women and lactating mothers have been enrolled since inception.
₹11,217.39 crore disbursed to beneficiaries so far.

Pradhan Mantri Matru Vandana Yojana Key Takeaways

Cash incentives for maternity benefits are provided in multiple instalments according to the stage of pregnancy and childbirth.
PMMVY 2.0 has its focus on women with social and economical disadvantages.
The scheme encourages institutional delivery and timely immunisation.
Miscarriages or stillbirths are treated as fresh cases for future maternity benefits.
Online registration, tracking, and fund disbursement are available via pmmvy nic in.

In informal employment, women often face wage loss during pregnancy. This scheme, called PMMVY, addresses this financial gap. Mothers can access proper healthcare and institutional delivery services. Maternity benefits are possible with PMMVY. It also contributes to improved health-seeking behaviour among women. The main initiative is to reduce maternal and infant mortality.

The scheme aims to provide partial wage compensation to pregnant women and lactating mothers. It focuses on women from socially and economically disadvantaged sections of society. Its objectives are twofold:

To support maternal health and nutrition
To encourage positive behavioural change (especially toward the girl child)

What is Pradhan Mantri Matru Vandana Yojana (PMMVY)?

The Government of India introduced the Pradhan Mantri Matru Vandana Yojana (PMMVY). It is a centrally sponsored scheme by the Ministry of Women and Child Development. It is mainly a maternity benefit scheme. PMMVY is there to provide financial support to pregnant women and lactating mothers for the first two living children. Special incentives for a girl child are a part of PMMVY 2.0. The scheme integrates with Janani Suraksha Yojana (JSY) to provide a total cash incentive of approximately ₹6,000 for the first child and ₹6,000 for the second child if a girl.

The release of benefits is in instalments according to major pregnancy and child development milestones:

Instalment	Condition	Amount (₹)
First Instalment (1st Child)	On pregnancy registration and at least one antenatal check-up within six months of LMP at Anganwadi/approved health facilities	3,000
Second Instalment (1st Child)	On childbirth registration and the child receiving all vaccines till 14 weeks	2,000
Single Instalment (2nd Child, if girl)	Pregnancy registration, antenatal check-up, childbirth registration, and immunisation of girl child till 14 weeks	6,000

Miscarriages or stillbirths are treated as fresh cases for any subsequent pregnancies.

Who it Benefits

PMMVY primarily supports women, including:

Women from the Scheduled Castes and the Scheduled Tribes
Partially or fully disabled women (Divyang Jan)
Women holding BPL ration cards or beneficiaries under PMJAY
Women with e-Shram cards, MGNREGA Job Cards, or Kisan Samman Nidhi benefits
Women farmers
Pregnant and lactating Anganwadi Workers/Helpers (AWWs/AWHs) or ASHAs
Women whose net family income is below ₹8 lakh per annum
Beneficiaries holding Ration Cards under NFSA, 2013
Other categories as prescribed by the Central Government

This scheme excludes women who are in regular government employment or already receiving similar maternity benefits under existing laws.

Banking Support for PMMVY Applicants

To receive PMMVY benefits, every beneficiary must have an Aadhaar-linked, DBT-enabled bank account. A digital savings account solution like Kotak811 makes this process quick and hassle-free.

How it helps PMMVY beneficiaries:

Zero-Balance Digital Account
Instant Debit Card Access
Safe, paperless, and convenient for pregnant women who prefer managing banking and maternity benefits from home.

Key Features & Benefits of PMMVY

Provides partial wage compensation to pregnant women and lactating mothers.
Offers cash incentives in multiple instalments upon pregnancy milestones.
Encourages institutional delivery and timely child immunisation.
Includes benefits for women experiencing miscarriage or stillbirth.
Supports the financial empowerment of women from economically weaker sections.
Promotes positive behavioural change toward the girl child under PMMVY 2.0.
Beneficiaries can track and register through pmmvy.nic.in login.

Financial Support for Mothers

Beneficiaries can receive up to ₹6,000 for the first child and ₹6,000 for the second child if it is a girl. The scheme works alongside JSY for additional cash benefits.

Eligibility Criteria for PMMVY

Women of at least 19 years of age and pregnant.
Applicable for the first two living children, with the second child being a girl.
Must belong to socially and economically disadvantaged groups (SC/ST, BPL, PMJAY, e-Shram, MGNREGA, farmers, Divyang Jan, etc.)
Beneficiaries must not be in regular government employment or receiving other paid maternity benefits.
Eligible to apply within 270 days of childbirth or up to 730 days from LMP date.

Exclusions

Women already receiving paid maternity leave from employers.
Government-employed women or PSU employees receiving similar benefits.

Documents Required

Beneficiaries must provide:

Aadhaar card
Bank/Post Office account details
Eligibility proof (SC/ST/BPL/MGNREGA/PMJAY/e-Shram card, etc.)
MCP/RCHI card
LMP date, ANC date
Child birth certificate and immunisation details
Net family income certificate if applicable

All documents are verified electronically through Aadhaar for smooth processing.

Application Process

Online Registration (PMMVY Registration Online / PMMVY 2.0):

Visit the official website and click on Citizen Login.
Enter mobile number and verify OTP.
Fill in personal details, including state, district, block, and relationship with beneficiary.
Create an account and log in using credentials.
Click on Data Entry → Beneficiary Registration.
Fill the registration form for First Child or Second Child and upload the required documents.
Submit the form.

Mobile app registration is also available for convenience.

Check Status

Beneficiaries can track the status of their application and fund disbursal via pmmvy.nic.in login or by contacting the helpline: 011–23380329.

Benefit Disbursal

Cash incentives are directly credited to the beneficiary’s bank or post office account linked with Aadhaar.
First and second instalments for the first child, and single instalment for the second child (if girl) are processed after verification of pregnancy registration, childbirth registration, and child immunisation.
Miscarriages or stillbirths are considered fresh cases for future pregnancies.

Conclusion

Overall, this yojna greatly helps women who are from socially and economically poor backgrounds. The women enjoy maternity benefits under it. PMMVY ensures mothers can:

Access healthcare
Recover financially from wage loss
Promote positive behaviour towards the girl child

The quick online registration and fund disbursal make the process transparent and secure. The government encourages institutional deliveries and contributes to the overall well-being of women and children through this scheme in India.

FAQs on Pradhan Mantri Matru Vandana Yojana

1. Who can register for PMMVY online?

Eligible pregnant women and lactating mothers from disadvantaged sections can register online via pmmvy.nic.in login or mobile app.

2. How is the incentive under PMMVY disbursed?

Cash incentives are credited directly to the beneficiary’s Aadhaar-linked bank or post office account in instalments based on pregnancy and child milestones.

3. Can a beneficiary claim PMMVY after miscarriage or stillbirth?

Yes, the beneficiary is treated as a fresh case for any future pregnancies, subject to eligibility conditions.

4. What documents are required for PMMVY registration?

Aadhaar card, bank/post office account details, MCP/RCHI card, LMP/ANC details, child birth certificate, immunisation records, and eligibility proofs like SC/ST/BPL/e-Shram cards.

5. What is the cut-off period for applying to PMMVY?

Applications must be submitted within 730 days from LMP or 460 days from childbirth, depending on the availability of the LMP date.

6. How can I check the PMMVY beneficiary list?

The PMMVY beneficiary list can be accessed through the official PMMVY portal: pmmvy.wcd.gov.in.

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This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Newsletter. The information contained in this Article is sourced from empanelled external experts for the benefit of the customers and it does not constitute legal advice from Kotak. Kotak, its directors, employees, and contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein.