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PMMVY Maternity Benefit — Calculations & Slabs for FY 2026-27

Check eligibility for PMMVY cash incentive of Rs 5,000 for a first live birth and Rs 6,000 for a second girl child birth under Pradhan Mantri Matru Vandana Yojana.

Last verified: June 2026 | Source: pmmvy.wcd.gov.in

1. Eligibility Parameters

Maternity Benefit Scheme (PMMVY) Rules Explained

Pradhan Mantri Matru Vandana Yojana (PMMVY) is a centrally sponsored scheme under the Ministry of Women and Child Development. It provides direct cash incentives to pregnant women and lactating mothers (PW&LM) to compensate for wage losses and encourage positive health-seeking behavior.

Installment Breakup under PMMVY 2.0

The scheme was revamped under the Mission Shakti guidelines. The cash transfer operates on the following rules:

  • First Child Benefit (₹5,000):
    • ₹3,000 (1st installment) after early registration of pregnancy and at least one Ante-Natal Check-up (ANC).
    • ₹2,000 (2nd installment) after registration of childbirth and completion of the first cycle of immunization (BCG, OPV, DPT, and Hepatitis-B).
  • Second Child Benefit (₹6,000): Only payable if the second child is a girl, paid in a single installment of ₹6,000 after child birth and immunization.

Frequently Asked Questions (FAQ)

Am I eligible for PMMVY maternity benefits?

You are eligible if you are a pregnant or lactating mother, register your pregnancy early at a government health centre (Anganwadi/AWC), have your Aadhaar linked to your bank account, and meet either the income limit of under ₹8 Lakh per year or belong to specific categories like SC/ST, BPL/AAY cardholders, PMJAY beneficiaries, E-Shram holders, or MGNREGA workers. Regular government employees who receive paid maternity leave are not eligible.

How do I apply for the PMMVY scheme?

You can apply online through the official portal at pmmvy.wcd.gov.in or register offline at your nearest Anganwadi Centre (AWC) or through an ASHA worker. You must submit your Aadhaar, bank passbook, and MCP card. This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

What is the benefit amount for the second child under PMMVY 2.0?

Under PMMVY 2.0, an incentive of ₹6,000 is provided for the second child, provided the second child is a girl. This is disbursed in a single installment after childbirth and completion of the first cycle of immunization. This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

How are the PMMVY installments split for the first child?

For the first child, the ₹5,000 benefit is split into two installments: ₹3,000 after early registration of pregnancy and at least one Ante-Natal Check-up (ANC), and ₹2,000 after child birth registration and completion of the first cycle of vaccinations (BCG, OPV, DPT, and Hepatitis B).

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 Maternity Benefit (PMMVY) Eligibility Calculator helps you check if you qualify for financial incentives under the Pradhan Mantri Matru Vandana Yojana (PMMVY) 2.0. It calculates the cash benefit of ₹5,000 for your first child or ₹6,000 for your second child (if she is a girl), and details the exact government installment schedule.

How to Use It

  1. Pregnancy Order: Select whether this is your first child or second child (and if it is a girl).
  2. Govt Registration & Aadhaar: Confirm if the pregnancy is registered at a government health center and Aadhaar is linked to your bank account.
  3. Household Income & State: Enter your net family income and your state of residence.

The Logic Explained Simply

  • The Concept: PMMVY 2.0 is a maternity incentive program aimed at compensating women for wage loss during pregnancy and ensuring health check-ups and child immunization. First child incentives are ₹5,000, disbursed in two stages: ₹3,000 after early registration + 1 ANC, and ₹2,000 after child birth registration + 1st cycle of immunization. For the second child, ₹6,000 is given in a single installment only if the child is a girl.
  • The Formula: Eligible = (Net Income < ₹8,00,000 OR SC/ST/BPL/AAY/E-Shram/PMJAY/MGNREGA holder) AND (Registered at govt center) AND (Aadhaar linked) AND (Not govt employee with paid leave).

Real-World Calculation Breakdown

Suppose a woman from Uttar Pradesh, working informally (family income ₹2,00,000/year), registers her first pregnancy at an Anganwadi center.

  • Eligibility: Eligible. Her family income is under ₹8 Lakh, and she does not get paid maternity leave.
  • Total Benefit: ₹5,000 total cash incentive.
  • Installment 1: ₹3,000 received after registering the pregnancy and completing 1 Ante-Natal Check-up.
  • Installment 2: ₹2,000 received after child birth and first cycle of vaccinations (BCG, OPV, DPT, Hepatitis B).

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