When a pregnant woman registers for the Pradhan Mantri Matru Vandana Yojana (PMMVY 2.0) (government pregnancy scheme) at her nearest Anganwadi Centre (AWC) or with an Accredited Social Health Activist (ASHA) worker, she becomes eligible for government cash assistance during and after pregnancy.
For her first baby born alive and living, she receives ₹5,000 directly in her bank account. If her second child is a girl, she gets ₹6,000 in a single payment.
This maternity benefit scheme helps cover wage loss and supports mother and child health.
This guide covers four key aspects of PMMVY 2.0: eligibility criteria based on age and income, payment amounts, required documentation, and the step-by-step application process.
The information provided in this guide is based on the official guidelines of Pradhan Mantri Matru Vandana Yojana (PMMVY 2.0) issued by the Ministry of Women and Child Development (MWCD), Government of India.
PMMVY Benefits and Installment Structure for First Child
Under pm matru vandana yojana, a pregnant lady receives ₹5,000 for her first living child in two installments.
| Instalment | Amount | When Payable |
|---|---|---|
| First Instalment | ₹3,000 | During pregnancy |
| Second Instalment | ₹2,000 | After childbirth |
Note: If you have twins or more born in the first pregnancy, they count as your first child, and you'll receive ₹5,000. Plus, if you deliver at a hospital, you can also get Janani Suraksha Yojana (JSY) benefits, bringing your total to around ₹6,000.
How to Claim PMMVY Instalments If You Missed Applying Earlier
Missing the PMMVY application at the pregnancy or post-delivery stage does not automatically cancel eligibility.
PMMVY permits claim submission under the following three scenarios when initial enrolment was delayed:
- You can apply for the first instalment later if your pregnancy was registered and at least one antenatal check-up was completed within six months from the last menstrual period
- Claim the second instalment even if the first was not claimed earlier, provided birth registration and immunisation conditions are met
- Submit a combined claim for both instalments if all required conditions are fulfilled
Time Limit for Submitting PMMVY Claims
The claim must be enrolled within 2 years of the last period date (or within 15 months of the baby's birth if the last menstrual period date is unavailable).
PMMVY 2.0 Maternity Benefit for Second Child (Girl Child)
If the second living child is a girl, PMMVY scheme provides enhanced maternity assistance for low-income families.
| Particular | Details |
|---|---|
| Total Benefit | ₹6,000 |
| Number of Instalments | One instalment |
| Condition | Second child must be a girl |
| Mandatory Requirement | Pregnancy registration during pregnancy |
| Purpose | To support families welcoming a second daughter |
Note: If a beneficiary delivers Multiple Births in her second pregnancy with one or more children being girls, she will be eligible for ₹6,000
PMMVY 2.0 Eligibility Criteria for Pregnant and Lactating Women
Pradhan Mantri Matru Vandana Yojana eligibility requires pregnant women and lactating mothers to meet age, income, and social category criteria while not receiving similar maternity benefits from other government schemes.
Eligible women must satisfy all three core requirements outlined below.
Age Requirement
The beneficiary must be a pregnant woman or lactating mother aged 19 to 55 years.
Income and Social Category
Women belonging to socially and economically disadvantaged sections, including:
- SC/ST women
- BPL ration card holders
- Disability certificate (40% or more)
- PMJAY beneficiaries
- E-Shram card holders
- MGNREGA job card holders
- Women farmers under PM-Kisan
- Women with annual family income below ₹8 lakh
- Frontline workers: Pregnant and lactating Anganwadi Workers (AWWs), Anganwadi Helpers (AWHs), and ASHA workers can also avail benefits under PMMVY, if they meet eligibility rules.
- Exclusions: Women in regular employment with Central/State Government or PSUs are ineligible
- Documentation: Income certificate is needed only when no other document is available to show eligibility
Understanding LMP and MCP Card
LMP (Last Menstrual Period): LMP means the date of the last monthly period before pregnancy. This date helps health workers calculate the pregnancy month and check if registration was done on time. If the exact date is not remembered, the ANM or ASHA estimates it during the first check-up and records it officially.
MCP Card (Mother and Child Protection Card): The MCP Card is given when pregnancy is registered. It records pregnancy details, antenatal check-ups, childbirth details, and the child's vaccination schedule. This card is used as proof for PMMVY payments and should be kept safe and brought to every Anganwadi or hospital visit.
How to Apply Pradhan Mantri Matru Vandana Yojana
Pradhan Mantri Matru Vandana Yojana beneficiary registration process follows three pregnancy-aligned stages: initial registration, post-delivery verification, and (if applicable) the second girl child benefit claim.
Eligible women can complete all stages free of cost through the government health system.
Each stage requires submitting specific documents, verifying health or birth records, and meeting prescribed timelines to receive maternity benefits.
Step 1: Pregnancy Registration for First Installment
Visit the Nearest Anganwadi Centre
As soon as pregnancy is confirmed, visit the nearest Anganwadi Centre (AWC) in your village or urban ward.
You may also contact the ASHA worker or Auxiliary Nurse Midwife (ANM) assigned to your area.
Register Your Pregnancy
Your pregnancy will be registered by the ASHA/ANM, and an MCP (Mother and Child Protection) Card will be issued. Your Last Menstrual Period (LMP) date and antenatal check-up details will be recorded.
Collect and Fill PMMVY Application Form
For the first installment, collect Form 1-A from the Anganwadi Worker. Fill in personal details, Aadhaar number, bank/post office account details, and sign the consent form.
Attach Required Documents
Submit photocopies of required documents such as:
- Aadhaar Card of Beneficiary
- MCP Card
- Bank / Post Office Passbook Copy
- Eligibility proof (SC/ST/BPL/PM-JAY/E-Shram/Income Certificate, etc.).
- Mobile Number (Optional)
Verification by AWW/ASHA/ANM
The Anganwadi Worker or ASHA verifies the documents and health conditions (ANC check-up completed within 150 days).
After verification, the application is entered into the PMMVY system.
Acknowledgement Slip Issued
After successful registration, an acknowledgement slip is provided.
This slip should be kept safely, as it is required for claiming the next installment.
Direct Benefit Transfer (DBT)
Once approved by the Supervisor/CDPO/Medical Officer, the payment is transferred directly to the beneficiary’s Aadhaar-seeded bank or post office account within approximately 30 days.
Six critical PMMVY registration rules:
- Husband's Aadhaar is not required
- Bank/Post Office account must be in the beneficiary's name only
- Joint accounts not permitted
- PMMVY registration must be done within 150 days (5 months) from the LMP date for the first installment
- Beneficiaries cannot apply online themselves. PMMVY registration is done only by Anganwadi or Health Department
- No fees should be paid to anyone for PMMVY registration
Step 2: Claim Maternity Cash Benefit After Delivery
After delivery, eligible beneficiaries must file a second claim to receive the remaining ₹2,000 under PMMVY 2.0 for the first living child.
Ensure Birth Registration of the Child
Register the child’s birth with the local authority (hospital, municipality, or Panchayat). A provisional or final birth certificate is acceptable.
Complete First Cycle of Immunization
The child must receive BCG, OPV, DPT, and Hepatitis-B vaccines. These details must be recorded in the MCP Card.
Fill and Submit Form 1-C
Collect Form 1-C from the Anganwadi Worker and submit it with the following post-delivery documents:
- Birth certificate of the child
- MCP Card with immunization entries
- Acknowledgement slip of first installment
- Mobile Number (optional)
Verification and Approval
The AWW/ASHA/ANM verifies documents and forwards them to the Supervisor/Medical Officer for approval.
Payment of ₹2,000
The second installment is transferred to the same Aadhaar-linked bank/post office account within about 30 days.
Important:
- The second installment can be claimed even if the first installment was missed, provided conditions are met.
- The child’s first round of vaccinations must be completed within 14 weeks (about 3½ months) after birth.
Step 3: Claiming Second Girl Child Benefit (If Applicable)
Under PMMVY 2.0, if a woman delivers a second living child who is a girl, she is eligible for a one-time maternity benefit of ₹6,000.
PMMVY Registration for Second Pregnancy
The pregnancy must be registered at the Anganwadi Centre during pregnancy, and an MCP Card must be issued.
Deliver a Girl Child
After delivery, obtain the birth certificate clearly mentioning the gender of the child.
Submit Application for Second Girl Child Benefit
Attach the prescribed PMMVY application form along with:
- MCP Card
- Birth certificate of the second child (girl)
- Aadhaar card of the beneficiary
- Bank/Post Office passbook
- Proof of first living child
- Eligibility proof (SC/ST/BPL/PM-JAY/E-Shram/Income Certificate, etc.)
Verification and Approval
The application is checked by the AWW/ASHA/ANM and cleared by the designated approving authority.
Payment of ₹6,000
The PM Matru Vandana Yojana amount is credited in a single installment through DBT.
Important:
- No installments are given for a second child if the child is a boy.
- If multiple children are born in the second delivery and one or more are girls, ₹6,000 is payable.
PMMVY 2.0 Frequently Asked Questions (FAQs)
Q1. Can I receive PMMVY for home delivery?
Home delivery qualifies for PMMVY benefits if you register the birth and complete immunization, though hospital delivery is encouraged.
Q2. Can PMMVY and Janani Suraksha Yojana (JSY) Be Availed Together?
Yes. PMMVY and JSY benefits are separate, but can be availed of together if eligible.
Q3. Can a private-sector working woman who receives maternity salary get PMMVY 2.0?
Yes. A private-sector working woman can receive PMMVY 2.0 if she meets the income or eligible category criteria.
Q4. What should a beneficiary do if her MCP card is lost or damaged?
MCP card loss does not affect PMMVY benefits since pregnancy, ANC, delivery, and immunization details are maintained in official health worker registers.
Q5. Is PMMVY applicable if pregnancy registration was done in a private hospital?
Yes. Even if the pregnancy was registered or ANC services were received at a private hospital, PMMVY enrollment and verification must be completed through the Anganwadi Centre or the Health Department system.
Q6. What happens if immunization is delayed beyond the recommended schedule?
Under PMMVY, maternity benefits are payable only after the child’s first cycle of immunization is completed within the prescribed timeline and recorded in official health records.
Q7. Can women who have adopted a child or had a surrogate child avail of PMMVY funds?
No, PMMVY funds are only available to biological mothers. Adoptive mothers or mothers through surrogacy are not eligible under this scheme.
Q8. What happens if the child is born prematurely or has a low birth weight?
Ans: The benefits under PMMVY are still provided regardless of whether the child is born prematurely or has a low birth weight, as long as the mother meets all other eligibility criteria.
Q9. How does PMMVY handle families with multiple marriages?
Ans: The Pradhan Mantri Matru Vandana Yojana primarily focuses on the eligibility of the individual woman rather than her marital status or family structure.
In cases where a household may have multiple wives, each eligible woman is considered individually for the benefits under the scheme, rather than the household as a whole.
Q10. Can a woman apply for PM Mother Vandana Scheme if she becomes pregnant while living abroad but delivers the child in India?
Ans: If the woman is an Indian citizen and meets the eligibility criteria, she can apply for it after returning to India and delivering the child in the country.
Q11. Are women in non-traditional family setups, like single mothers, those in live-in relationships, or separated from their spouses, eligible for PMMVY benefits?
Ans: Yes, the Pradhan Mantri Matru Vandana Yojana is an inclusive scheme that allows various categories of women to avail of its benefits, including:
- Single Mothers
- Women in live-in relationships
- Widows
- Divorcees
- Those separated or estranged from their spouses
These benefits are not dependent on their relationship status or living arrangements.
Conclusion
Pradhan Mantri Matru Vandana Yojana Scheme supports women through different stages of motherhood by reducing financial strain related to health care and recovery.
Although the benefit may be received after completing required conditions, it contributes to overall financial support during pregnancy and breastfeeding, especially for families dependent on public welfare systems.
For guidance, beneficiaries should contact their nearest Anganwadi Centre, ASHA, ANM, or government health facility