Pradhan Mantri Matru Vandana Yojana (PMMVY)

Pradhan Mantri Matru Vandana Yojana (PMMVY) is a maternity benefit programme initiated by the Government of India. It offers financial support to pregnant and lactating women for their first live birth. The scheme promotes safe deliveries, better postnatal care, and improved nutritional intake. Women receive cash incentives in installments after meeting healthcare milestones.
Bajaj General Health Insurance, with its strong network of 18,400+ hospitals, supports comprehensive health protection to mothers and their newborns, complementing initiatives like PMMVY in enhancing maternity care accessibility.

What is Pradhan Mantri Matru Vandana Yojana?

PMMVY is a centrally sponsored maternity benefit scheme that provides financial assistance to women during pregnancy and early motherhood. Designed to partly compensate for wage loss, the scheme encourages mothers to take adequate rest and seek proper healthcare services. It mainly targets women working in the unorganized sector who are often without paid maternity leave. Comprehensive healthcare, supported by providers like Bajaj General Health Insurance, strengthens these government initiatives by ensuring greater access to maternity services.

Objectives of PMMVY

The main objectives of PMMVY are to provide partial wage compensation to pregnant and lactating women, encourage proper healthcare practices, and promote institutional deliveries. The scheme aims to improve health outcomes for both mothers and newborns by reducing maternal and infant mortality rates. It fosters positive health-seeking behaviours and aims to strengthen access to essential maternity services. Health insurances like Bajaj General Health Insurance play an important role in supplementing such efforts through their extensive healthcare support networks.

Key Features of PMMVY

1. Cash incentives of ₹5,000 in two instalments for the first child; ₹6,000 in one instalment for the second child if the second child is a girl.
2. Applicable for the first child, and also for the second child if the second child is a girl.
3. Focus on women aged 19 years and above.
4. Promotes early registration of pregnancy and antenatal care.
5. Encourages institutional deliveries and immunization.
6. Financial assistance is credited directly into the beneficiary’s bank account.
7. Operated under the Ministry of Women and Child Development.
8. Special provisions for Aadhaar-linked identification and seamless claim processes.
9. Implementation through state and union territory governments.
10. Supports efforts towards improved maternal and child health standards.

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Eligibility Criteria for PMMVY

The Pradhan Mantri Matru Vandana Yojana (PMMVY) is a maternity benefit program run by the Government of India. The eligibility criteria for PMMVY are as follows:

1. Pregnant Women and Lactating Mothers: The scheme applies to pregnant women and lactating mothers who are expecting their first child.
2. Age: The beneficiary should be 19 years of age or above.
3. Child Coverage: Benefits for the first child (₹5,000, two instalments) and for the second child if a girl (₹6,000, one instalment).
4. Registration: The beneficiary must register at an Anganwadi Centre (AWC) or approved health facility.
5. Aadhaar Card: The beneficiary must possess an Aadhaar card; husband’s Aadhaar is not mandatory under revised guidelines.
6. Bank Account: The beneficiary must have a bank account in her name.
7. Application: The application must be submitted within 150 days from the date of the last menstrual period.
8. Income: There is no specific income criterion mentioned for eligibility under PMMVY.

The scheme provides a cash incentive of ₹5,000 for the first child in two instalments and ₹6,000 for the second child if a girl (single instalment).

Benefits of PMMVY

1. Financial aid of ₹5,000 given in two instalments for the first child; ₹6,000 in one instalment for the second child if a girl.
2. Assistance linked with prenatal and postnatal healthcare milestones.
3. Encouragement for early pregnancy registration.
4. Promotion of safe, institutional deliveries.
5. Support for child immunisation up to the first cycle of vaccines.
6. Reduction in maternal and infant mortality risks.
7. Empowerment of women to seek regular healthcare support.
8. Direct benefit transfer to the beneficiary’s account.
9. Facilitation of wage loss compensation during pregnancy.
10. Strengthening of the healthcare system’s reach for vulnerable women.

How to Apply for Pradhan Mantri Matru Vandana Yojana

Eligible women can apply for PMMVY through Anganwadi Centres or authorized health facilities. The application is submitted in Form 1-A at the early stage of pregnancy. Follow-up forms (1-B and 1-C) must be filled out post-delivery and after child immunization milestones. Applicants must provide identification documents, proof of pregnancy, and bank account details. Acknowledgement receipts are issued upon successful submission. Regular monitoring ensures timely disbursement of benefits. Many centres provide support to assist applicants in completing the process efficiently.

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Required Documents for PMMVY Application

Applicants must submit key documents, including:

1. Proof of pregnancy (Medical Certificate)
2. Aadhaar Card (or alternative identity proof)
3. Bank Account Passbook copy
4. Husband’s ID proof (if applicable)
5. Duly filled application forms (Form 1-A, 1-B, 1-C)
6. Childbirth certificate (for later instalments)

It is essential to ensure all documents are correctly filled and signed to avoid delays in processing the cash incentive under the scheme.

How to Make a Claim Under the PMMVY Scheme?

To claim benefits under PMMVY, eligible women must submit Form 1-A after pregnancy registration, Form 1-B post-delivery, and Form 1-C after the child receives the first immunization cycle. Each form must be submitted at the authorised Anganwadi Centre or approved health facility with supporting documents. After verification, the financial assistance is directly credited to the woman’s bank account in instalments. Monitoring and follow-up ensure transparency, and any discrepancies must be addressed promptly at the local centre.

Tracking Your PMMVY Application Status

Beneficiaries can track the status of their PMMVY application by visiting the official PMMVY portal or through local Anganwadi Centres. Using the Application Reference Number or Aadhaar number, applicants can check real-time updates. Regular follow-up ensures that any documentation errors or delays are addressed quickly, allowing beneficiaries to receive their cash incentives without unnecessary waiting periods.

FAQs

Does the PMMVY benefit continue in the event of death?

If the beneficiary dies after receiving the first instalment, no further benefits are provided. However, benefits already disbursed do not need to be returned. In the event of stillbirth or miscarriage, partial benefits are still applicable under certain conditions.

Who is eligible to apply for PMMVY?

Pregnant and lactating women aged 19 years or above, having their first living child, are eligible to apply for PMMVY. They must be Indian residents and must not have availed similar maternity benefits under any other law.

Will the beneficiary be compensated in the event of a miscarriage or stillbirth?

Yes, in the case of miscarriage or stillbirth, the beneficiary is entitled to the remaining instalments for future pregnancies. However, no retrospective benefits are provided for previous instalments already received.

Where can I get assistance if I face issues during the application process?

Assistance can be sought at Anganwadi Centres, authorised health facilities, or local block-level offices. Additionally, helpline numbers and PMMVY online portals are available to address any grievances or application issues promptly.

How is PMMVY put into action?

PMMVY is implemented through state governments, union territories, and local bodies using Anganwadi Centres or accredited health facilities. Funds are transferred directly into beneficiaries’ bank accounts upon fulfilling healthcare milestones during pregnancy and early motherhood.

Does this scheme provide any additional coverages?

PMMVY primarily provides financial assistance related to maternity. It does not offer additional healthcare coverage, hospitalisation costs, or insurance. However, it supports better health practices and encourages institutional deliveries through cash incentives.

How can you get your PMMVY Scheme Card online?

Currently, there is no dedicated PMMVY card issued online. Beneficiaries can register and track their application through the official PMMVY portal using Aadhaar and bank account details, but a separate card is not provided.

Is there any additional benefit for the birth of a girl child under PMMVY?

No, PMMVY provides the same financial benefit irrespective of the gender of the newborn. However, other schemes like ‘Beti Bachao Beti Padhao’ may offer additional incentives for the birth of a girl child.

Can working women also apply for PMMVY benefits?

Yes, working women can apply for PMMVY if they meet the eligibility criteria. However, those already receiving paid maternity leave benefits from their employers or under other laws may not be eligible for PMMVY benefits.

What should I do if my PMMVY application is rejected?

If your application is rejected, you should visit your local Anganwadi Centre or health facility to understand the reason. Correct any errors in documentation and reapply as per the guidance provided by the authorities.

Is PMMVY applicable for deliveries done in private hospitals?

Yes, PMMVY benefits are applicable irrespective of the hospital type. Whether the delivery takes place at a government or private hospital, as long as eligibility and documentation are in order, benefits can be claimed.

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