Pradhan Mantri Matru Vandana Yojana (PMMVY) — Benefits and How to Apply

What is PM Matru Vandana Yojana (PMMVY)?

Pradhan Mantri Matru Vandana Yojana (PMMVY) is a maternity benefit programme that provides financial assistance to pregnant women and lactating mothers. The scheme aims to compensate for wage loss during pregnancy and promote safe delivery and nutrition.

Under PMMVY 2.0 (revised version):

• ₹5,000 for the first child (in three instalments)
• ₹6,000 for the second child (if a girl) — in one instalment
• Cash transferred directly to the beneficiary's bank account via DBT

The scheme is implemented by the Ministry of Women and Child Development through Anganwadi centres and health facilities.

Eligibility Criteria

For First Child (₹5,000)

• All pregnant women and lactating mothers for the first living child
• Must register the pregnancy at an Anganwadi centre or approved health facility
• Must have a bank account linked to Aadhaar — see our Aadhaar guide
• No income criteria — available to all

For Second Child (₹6,000)

• Only if the second child is a girl
• One instalment of ₹6,000 after the birth of the girl child

Who is NOT Eligible

• Women employed in central/state government or PSUs
• Women already receiving similar maternity benefits under any other law
• For third or subsequent children

Benefits and Instalment Schedule (First Child)

Note: Under the Janani Suraksha Yojana (JSY), an additional incentive is provided for institutional delivery, bringing the combined benefit to approximately ₹6,000+.

For Second Girl Child

• ₹6,000 in a single instalment after birth

Documents Required

• Aadhaar card of the beneficiary
• Bank passbook (Aadhaar-linked account)
• MCP card (Mother and Child Protection card) from health facility
• Pregnancy registration certificate from Anganwadi/health centre
• ID proof (Aadhaar/voter ID)
• LMP (Last Menstrual Period) date certificate
• Birth certificate of child (for second instalment after delivery)
• Undertaking/consent form

How to Apply

Method 1: Through Anganwadi Centre

1. Visit your nearest Anganwadi centre during pregnancy
2. Register your pregnancy and get an MCP card
3. Fill the PMMVY application form (available at the centre)
4. Submit documents — Aadhaar, bank passbook, MCP card
5. The Anganwadi worker enters your details in the PMMVY portal
6. Track your application through the portal or Anganwadi worker

Method 2: Through Approved Health Facility

1. Register at a government health facility (PHC/CHC/District Hospital)
2. During ante-natal check-up, fill the PMMVY form
3. Submit required documents
4. ASHA worker or ANM assists with the application
5. Facility uploads details to the PMMVY portal

Method 3: Online Application

1. Visit PMMVY portal
2. Select beneficiary registration (may need ASHA/ANM login in some states)
3. Fill personal, bank, and pregnancy details
4. Upload documents
5. Submit and note the reference number

Method 4: Through UMANG App

1. Download the UMANG app
2. Search for PMMVY
3. Register and apply online
4. Upload required documents
5. Track application status

How to Track Application Status

On PMMVY Portal

1. Visit pmmvy.wcd.gov.in
2. Click on Beneficiary Login or Track Status
3. Enter your registered mobile number or Aadhaar
4. View instalment status — Pending, Approved, Disbursed

Through Anganwadi Worker

Contact your local Anganwadi worker who can check the status through the AWW portal.

UMANG App

Check the PMMVY section in UMANG app for real-time status updates.

State-Level Top-Up Benefits

Several states provide additional maternity benefits on top of PMMVY:

• Tamil Nadu — Dr. Muthulakshmi Maternity Benefit Scheme (₹18,000)
• Odisha — Mamata Scheme (₹5,000 additional)
• Madhya Pradesh — Janani Suraksha (additional incentive)
• West Bengal — Maternity Benefit through Swasthya Sathi

Check your state's WCD department for additional benefits.

Common Issues and Solutions

Application Rejected

• Aadhaar mismatch — Ensure name and details match exactly
• Bank account not linked to Aadhaar — Visit bank for Aadhaar seeding
• Missing documents — Resubmit with complete documentation
• Duplicate application — Only one application per pregnancy

Instalment Not Received

• Check if the instalment is approved on the portal
• Verify bank account is active and Aadhaar-linked
• Contact Anganwadi worker or block-level PMMVY nodal officer
• Raise grievance on the PMMVY portal

Important Tips

1. Register early — Apply within the first 150 days of pregnancy (LMP) to receive the first instalment on time
2. Link Aadhaar to bank account before applying — this is mandatory for DBT
3. Keep MCP card safe — It's needed for both instalments
4. Attend ante-natal check-ups — The second instalment requires at least one ANC
5. Don't pay middlemen — The application is completely free through Anganwadi centres

Frequently Asked Questions

Is PMMVY available for the second child?

Yes, under PMMVY 2.0, a benefit of ₹6,000 is available for the second child, but only if the second child is a girl. For boys, the benefit is only for the first child.

Can working women apply for PMMVY?

Private sector employees and self-employed women are eligible. Only women employed in central/state government or PSUs who receive paid maternity leave are excluded.

What if I don't have an Aadhaar card?

Aadhaar is mandatory for PMMVY as benefits are transferred through DBT. Apply for Aadhaar first — see our Aadhaar application guide.

Can I apply after delivery?

Yes, you can apply after delivery for the remaining instalments. However, it's recommended to register during pregnancy to receive all instalments on time.

Is there an income limit for PMMVY?

No, PMMVY is available to all pregnant women regardless of income. The only exclusion is government/PSU employees receiving paid maternity leave.

How long does it take to receive the money?

After approval of each instalment, the amount is typically credited within 2-4 weeks through DBT to the Aadhaar-linked bank account.

Disclaimer: This guide is for informational purposes only and is not affiliated with the Ministry of Women and Child Development. Scheme details may change — verify on the official PMMVY portal.