The Pradhan Mantri Matru Vandana Yojana (PMMVY) is a maternity benefit scheme of the Government of India that provides conditional cash assistance to eligible pregnant and lactating women, subject to the scheme's eligibility and prescribed conditions.
Eligible beneficiaries can apply through the PMMVY portal or with assistance from an Anganwadi Worker (AWW) or ASHA worker.
The scheme is implemented by the Ministry of Women and Child Development (MWCD).
What is PMMVY?
PMMVY is designed to provide maternity-related financial support to eligible women and encourage the use of antenatal care, institutional delivery and child immunisation services.
Under PMMVY 2.0, the benefit structure is linked to the first and, in specified circumstances, the second child.
For an eligible first living child, the scheme provides ₹5,000 in instalments, subject to fulfilling the prescribed conditions.
A separate benefit is available for the second child if the child is a girl, subject to the applicable PMMVY conditions.
The benefit is not an unconditional payment. Eligibility and completion of the required conditions are verified before the instalments are released.Who can apply?
PMMVY is intended for women who meet the scheme's eligibility conditions.
The current PMMVY framework identifies eligible categories of women based on specified social and economic criteria.
These can include women belonging to categories such as:
Because the eligibility framework has specific conditions, having a pregnancy by itself does not automatically guarantee PMMVY benefits.
Check the current PMMVY eligibility requirements when applying.
How much money does PMMVY provide?For an eligible first living child, the benefit is ₹5,000, paid in instalments after the required conditions are fulfilled.
The benefit is linked to stages such as:
Birth registration / immunisation requirements
The exact instalment conditions should be checked with the current PMMVY portal or your Anganwadi/ASHA worker because the applicable requirements determine when each payment is released.
What about the second child?PMMVY 2.0 introduced a specific provision for the second child when the child is a girl.
Eligible beneficiaries can receive ₹6,000 in a single instalment, subject to the scheme's conditions.
This is different from the ₹5,000 benefit applicable to an eligible first living child.
How can you apply?Option 1 — Online
You can apply through the official PMMVY portal.
Option 2 — Anganwadi / ASHA
They can assist with registration and submission of the required information through the PMMVY system.
This option can be particularly useful if you are not comfortable completing the online application yourself.
How to apply onlineThe PMMVY portal is the government's digital platform for registration and processing of maternity-benefit applications.
Start from the official government service:
Step 1 — Registration
Provide the requested beneficiary information and complete the registration process.
Keep your mobile phone available because OTP-based verification may be required.
Step 2 — Enter beneficiary details
You may need to provide information such as:
Make sure the spelling of your name and other details match your supporting records.
Step 3 — Provide pregnancy information
The application can require details relating to:
Your Anganwadi/ASHA or health facility can help verify the applicable information.
Step 4 — Upload/submit supporting documents
Provide the documents requested by the portal or implementing official.
The exact documents can vary depending on the beneficiary and eligibility category.
Step 5 — Verification
The application is checked through the relevant ICDS/Anganwadi and health-system workflow.
If information is missing or inconsistent, you may be asked to provide clarification or additional documents.
Step 6 — Benefit payment
Once the applicable conditions are fulfilled and the application is approved, the benefit is transferred through Direct Benefit Transfer (DBT) to the eligible beneficiary's bank account.
Can an Anganwadi or ASHA worker apply for you?If you are unable to complete the online process yourself, approach your local Anganwadi Worker or ASHA worker.
"I want to register for PMMVY."
Keep your original documents and mobile phone with you.
The worker can guide you through the beneficiary-registration and verification process.
Documents checklistThe exact documentation depends on the beneficiary's circumstances and the current portal requirements.
Keep these documents/details ready:
Identity
☐ Mobile number linked/available for verification
Bank
☐ Passbook/cancelled cheque where required
☐ Preferably an account belonging to the beneficiary
Pregnancy and health records
☐ MCP card / Mother and Child Protection card
☐ Pregnancy registration information
Child-related documents
☐ Birth certificate, where applicable
☐ Immunisation records, where applicable
Eligibility proof
Depending on the applicable eligibility category:
☐ PM-JAY/Ayushman Bharat details
☐ Other prescribed eligibility evidence
Don't submit every document you have. Provide the documents relevant to the eligibility category and application requirements.
Why is the MCP card important?The Mother and Child Protection (MCP) Card records important information relating to pregnancy, antenatal care, childbirth and the child's health services.
It can be useful when completing PMMVY-related verification because the scheme's benefit conditions are linked to maternal and child-health milestones.
Does the bank account need to be Aadhaar-linked?The payment is made through the applicable DBT mechanism, so correct beneficiary and bank-account information is important.
If your payment fails because of incorrect bank information, resolving the bank/DBT issue may be necessary before the benefit can be credited.
What if you don't have a bank account?Ask your Anganwadi/ASHA worker or the relevant PMMVY implementing authority about the current payment requirements and available banking options.
Do not give your bank details to an unrelated agent simply because they claim they can "activate" PMMVY benefits.
How is the money paid?PMMVY benefits are transferred through Direct Benefit Transfer.
That means the money is intended to reach the eligible beneficiary through the designated bank/payment mechanism rather than being handed over as cash by an Anganwadi worker.
Always keep your bank transaction record.
How do you check your PMMVY application?If you applied online or through an Anganwadi/ASHA worker, retain your:
The PMMVY portal provides facilities for beneficiary/application-related services.
If you cannot determine the status online, contact the Anganwadi Worker/ASHA worker or the relevant ICDS office and provide your application details.
What if the money hasn't arrived?Don't immediately submit another application.
1. Application status
Has the application been approved?
2. Condition completed?
Was the required ANC, delivery, birth-registration or immunisation condition recorded?
3. Bank information
Is the account number and IFSC correct?
4. DBT status
Was the payment initiated but rejected?
5. Contact the implementing worker
Take your application/reference information to the Anganwadi Worker, ASHA or relevant ICDS office.
Common reasons for payment delaysA payment may take longer when:
A delay does not necessarily mean that the application has been rejected.
What if your name or Aadhaar details are incorrect?Correct the information before proceeding further wherever possible.
Name + Aadhaar + mobile + bank account
If these records contain different spellings or details, verification or payment can become more complicated.
Ask the Anganwadi/ASHA worker or the relevant authority which record needs correction.
Do you have to pay an agent?No private agent is required simply to access the PMMVY scheme.
You can apply through the official portal or seek assistance from the designated Anganwadi/ASHA/ICDS system.
Be cautious if someone asks for money to:
Never share your OTP, UPI PIN or banking password with anyone.
PMMVY application through Anganwadi/ASHAIf you're using the offline assistance route, follow this simple process:
Find your Anganwadi/ASHA worker
Tell them you want PMMVY registration
Carry Aadhaar + bank + MCP/ANC records
Provide eligibility-category information
Application entered into PMMVY system
Complete required maternal/child-health conditions
Keep copies or photographs of important acknowledgements and documents.
What should you do during pregnancy?If you think you may qualify for PMMVY, don't wait until after delivery to ask about registration.
During pregnancy
☐ Register pregnancy at the appropriate health facility
After delivery
☐ Complete required registration
☐ Follow immunisation schedule
☐ Check PMMVY application/payment status
This helps ensure that required conditions are recorded within the applicable process.
PMMVY vs maternity servicesPMMVY is a financial-benefit scheme.
It should not be confused with the broader maternal-health services provided through India's public health system.
Pregnant women should continue to use their:
for appropriate antenatal and maternal-health services.
Applying for PMMVY does not replace medical care.
Quick documents checklistBefore visiting your Anganwadi/ASHA worker, keep a folder containing:
PMMVY process at a glanceRegister pregnancy / maintain ANC records
Apply online or through Anganwadi/ASHA
Complete applicable conditions
DBT to beneficiary's bank account
Important things to remember1. Pregnancy alone doesn't guarantee payment
You must satisfy the scheme's eligibility conditions.
2. Keep your MCP card safe
It contains important maternal and child-health records.
3. Check your bank details
Incorrect account information can cause payment problems.
4. Don't pay unofficial agents
Use the official PMMVY/ICDS/Anganwadi/ASHA channels.
5. Don't share OTPs
No legitimate process requires you to disclose your OTP, UPI PIN or banking password to an unknown person.
6. Keep your application reference
It makes future follow-up easier.
Official PMMVY portal
PMMVY: pmmvy.wcd.gov.in
For assistance, you can also approach your local Anganwadi Worker, ASHA worker or relevant ICDS office.
NetaSampark checklist
If you're pregnant and think you may qualify:
Check eligibility → gather Aadhaar + bank + MCP/ANC records → apply online or through Anganwadi/ASHA → complete the required conditions → track the application → check your bank account for DBT.
The key is to register early and keep your maternal-health and banking records consistent.
PMMVY eligibility, instalment conditions and document requirements can change. Always confirm the current requirements on the official PMMVY portal or with the implementing Anganwadi/ICDS authority before submitting an application.