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🇮🇳 Central Scheme

PM Cares Children Eligibility — Calculations & Slabs for FY 2026-27

Check whether a child who lost parents to COVID-19 between March 2020 and December 2021 qualifies for PM CARES for Children -- covering education, health, and Rs 10 lakh at age 23.

1. Input Parameters

Required Documents Checklist

Primary Verification

  • Death certificates of both parents (or sole surviving parent)
  • Lab report/medical proof showing COVID-19 cause of death
  • Aadhaar Card of the child
  • School admission certificate / Marksheets

Guardian & Account Setup

  • Aadhaar of legal guardian / joint holder
  • Guardianship decree or Child Welfare Committee (CWC) order
  • Bank savings account details linked with UAN/Poshan
  • Passport photos of child and guardian

About PM CARES for Children

Launched by the Prime Minister of India, this program aims to ensure comprehensive care and protection of children who have lost their parents to COVID-19. The scheme supports their health, education, and financial independence through to adulthood.

Statutory Provisions

  • Education Support: For children under 10, admission in the nearest Kendriya Vidyalaya or private school as day scholars. For children 11-18, admission in Jawahar Navodaya Vidyalaya or Sainik Schools is arranged if requested. Net tuition fees and books are sponsored by the PM CARES fund.
  • Cashless Medical Cover: All children are registered as beneficiaries under Ayushman Bharat (PM-JAY) with a health insurance cover of ₹5 Lakh per year, and the premium is paid by PM CARES till they turn 18.
  • Financial Support: The scheme creates a post office account for each child and tops it up so that the corpus reaches ₹10 Lakh when they turn 18. Interest earned is given as a monthly stipend till 23, when they get the principal of ₹10 Lakh tax-free.

Last verified: June 2026

Frequently Asked Questions (FAQ)

PM CARES for Children eligibility 2026

To be eligible in 2026, the beneficiary must be a child who lost both parents, the surviving parent, or legal guardians/adoptive parents due to the COVID-19 pandemic between March 11, 2020, and May 5, 2023. The child must have been under the age of 18 on the date of the parents' death.

PM CARES for Children how to apply

Applications are submitted through the official portal at pmcaresforchildren.in. The local District Magistrate (DM) acts as the nodal authority who verifies the claim with the child welfare committee (CWC) and registers the child. This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

PM CARES for Children amount per month

Upon turning 18, the child receives a monthly stipend. This stipend is generated by investing the ₹10 Lakh corpus into the Post Office Monthly Income Scheme (POMIS). At the current rate of 7.4% per annum, it yields approximately ₹6,167 per month until the age of 23.

PM CARES for Children documents required

Key documents required include: 1. COVID-19 positive lab report or medical report showing cause of death. 2. Death Certificates of parents/guardians. 3. Aadhaar Card of the child. 4. Age proof (Birth Certificate or school certificate). 5. Bank account details (Post Office Savings Bank Account).

Where can I verify the source data for this calculator?

You can verify the values against the official notifications listed in our data sources section at the bottom of the page.

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About This Calculator

Target Audience: Salaried taxpayers, investors & retirees planning Indian tax & wealth growth

What Does This Calculator Do?

This calculator checks eligibility and projects the financial, educational, and medical benefits available under the PM CARES for Children scheme for FY 2025-26 and FY 2026-27. It provides a comprehensive timeline of support for children who lost their parents during the COVID-19 pandemic.

How to Use It

  1. Parental Loss Details: Confirm if the child lost both parents, the sole surviving parent, or legal guardians.
  2. Date of Death: Select the date range of the parent's death (must be between March 11, 2020, and May 5, 2023).
  3. Child's Demographics: Enter the child's date of birth and current age to see active and future benefits.
  4. Documentation: Specify if Aadhaar card and COVID-19 death certificate are available for application.

The Logic Explained Simply

  • The Core Eligibility: A child must have lost both parents/guardians due to COVID-19 between March 11, 2020, and May 5, 2023, and must have been under 18 years old at the time of the death.
  • Milestone Benefits:
  • Under 18 Years: Cashless health insurance under Ayushman Bharat (₹5 Lakh cover) and free education in Kendriya Vidyalayas, Navodaya Vidyalayas, or private schools.
  • 18 to 23 Years: A corpus of ₹10 Lakh is accumulated and invested in the Post Office Monthly Income Scheme (POMIS). The interest (currently 7.4% p.a.) is paid as a monthly stipend (₹6,167/month).
  • At 23 Years: The full corpus of ₹10 Lakh is paid out as a tax-free lump sum.

Real-World Calculation Breakdown

A child in Delhi who is currently 19 years old lost both parents in May 2021 due to COVID-19:

  • Date Check: May 2021 falls within the eligible window (March 11, 2020 - May 5, 2023).
  • Age at Loss: Under 18 in 2021.
  • Active Benefit (18-23 age bracket): The child's ₹10 Lakh corpus is invested in POMIS at the current rate of 7.4%.
  • Monthly Payout: The student receives ₹6,167 every month directly in their post office savings account to support higher education costs.
  • Future Lump Sum: On turning 23, the young adult receives the full lump sum of ₹10,00,000 from the PM CARES fund.

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