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+{{htmlmetatags>metatag-keywords=(PM Matru Vandana Yojana, PMMVY 2026, maternity benefit India, ₹6000 pregnancy scheme, mother cash transfer, anganwadi PMMVY, second girl child benefit)
+metatag-description=(PMMVY 2026 — ₹5,000 for first child + ₹6,000 for second girl child. Maternity cash to mother via DBT. Apply at Anganwadi.)}}
+====== PM Matru Vandana Yojana (PMMVY) 2026 — ₹5,000–11,000 Maternity Benefit ======
+**Direct answer.** PMMVY gives **₹5,000 cash** for the first child and **additional ₹6,000** if the second child is a girl, to pregnant + lactating mothers. Money is paid via **DBT** in 2–3 instalments tied to ANC visits + child immunisation. Apply at your **Anganwadi Centre**. Aadhaar + bank required. **Free.** Approved by Cabinet 2017, expanded under PMMVY 2.0 in 2022.
+===== Quick Answer =====
+  * **₹5,000 for first child** (any gender). 2 instalments.
+  * **+₹6,000 if second child is a girl** = ₹11,000 total. 1 instalment.
+  * Apply at **Anganwadi Centre** in your area.
+  * **Helpline**: **011-2330 2010** (PMMVY-CAS).
+  * **Stuck?** [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|🪄 RTI in 60 sec]].
+===== Who is eligible =====
+  * **Pregnant or lactating** woman aged **19+** (younger if married).
+  * **Indian citizen**.
+  * **First live birth** OR **second live birth IF the child is a girl**.
+  * **No bar on income or category** (Ujjwala-2.0-style universal).
+  * **Aadhaar mandatory**.
+  * **Government employee mothers excluded** (they get separate maternity benefit under CCS Rules).
+===== Instalments + triggers =====
+==== First child (₹5,000) ====
+| Instalment | Amount | Trigger |
+| 1st | ₹3,000 | Within 150 days of last menstrual period — register at Anganwadi + first ANC visit |
+| 2nd | ₹2,000 | After delivery + child's first round of immunisation (Penta-1, OPV-1, BCG) |
+==== Second child if girl (additional ₹6,000) ====
+| Single instalment | ₹6,000 | After registration of birth + first round of immunisation |
+==== Plus separately ====
+  * **Janani Suraksha Yojana (JSY)**: ₹1,400 (rural BPL) / ₹1,000 (urban BPL) for institutional delivery. Stackable with PMMVY.
+  * Many state schemes also stack (Mamta in Punjab, Mukhyamantri Matru-Shishu in MP, etc.).
+===== Documents required =====
+  - **Aadhaar of mother** (mobile-linked)
+  - **Aadhaar of husband** (for verification)
+  - **Bank passbook** (mother's name, Aadhaar-seeded)
+  - **MCP card (Mother & Child Protection)** — issued at Anganwadi at first ANC
+  - **LMP date** (Last Menstrual Period) — usually estimated by ANM at first visit
+  - **Self-declaration**
+===== How to apply =====
+  - Visit your nearest **Anganwadi Centre (AWC)**. ASHA worker / ANM will guide.
+  - **Form 1A** — pregnancy registration + 1st ANC. Submit within 150 days of LMP.
+  - Anganwadi enters details in **PMMVY-CAS** (Common Application Software).
+  - DBT to bank account for **1st instalment** within 30 days.
+  - **Form 1B** — after delivery, with delivery proof. **2nd instalment** within 30 days.
+  - **Form 1C** — after first round of child immunisation. Receipt for ₹6,000 if second child is girl.
+  - Track at https://wcd.nic.in/pmmvy-cas (CAS portal).
+===== Common mistakes =====
+  * **Late registration** — Form 1A must be filed within **150 days of LMP**. After that, eligibility lost.
+  * **MCP card not maintained** — ANC visits must be recorded. ASHA worker maintains; verify weekly.
+  * **Aadhaar–bank mismatch** — name spelling differences between Aadhaar and bank cause silent DBT failures. Fix at branch first.
+  * **Multiple Aadhaar numbers** — flagged + cancelled. One canonical Aadhaar only.
+  * **Joint account in bank** — must be **mother's individual account** for DBT.
+===== If the formal channel fails, escalate via RTI =====
+<WRAP center round info 100%>
+If your Pradhan Mantri Matru Vandana Yojana payment isn't resolved through the regular complaint route, you can file an **RTI** to force the public authority to either act or explain in writing why they haven't. The fee is ₹10 (free if you're BPL).
+  * Draft your application: [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]]
+  * Calculate timelines: [[https://righttoinformation.wiki/tools/timeline-calculator-app.html|Timeline Calculator]]
+  * If PIO doesn't reply in 30 days: [[https://righttoinformation.wiki/appeal-templates/deemed-refusal-first-appeal|Deemed refusal first appeal]]
+  * If PIO rejects without reason: [[https://righttoinformation.wiki/appeal-templates/wrongful-section-8-rejection|S.8 rejection appeal]]
+  * Sample applications: [[https://righttoinformation.wiki/guide/applicant/application/sample/start|Sample RTI library]]
+</WRAP>
+===== FAQ =====
+==== Can I get PMMVY for my third child? ====
+**No** — PMMVY covers first child + second only if girl. Third + ineligible.
+==== I had a stillbirth. Am I eligible? ====
+**1st instalment** (post-registration) — yes (received during pregnancy). **2nd + 3rd** — no, since they're triggered by live birth + child's first immunisation. Stillbirth doesn't reverse the 1st instalment.
+==== Can I apply for PMMVY after delivery (didn't register during pregnancy)? ====
+**No** — registration **must be within 150 days of LMP**. Post-delivery registration is too late.
+==== I'm a domestic worker. Am I eligible? ====
+**Yes** — PMMVY is universal (no income/category bar) for non-government-employee women. Register at Anganwadi.
+==== Will my husband's job affect my PMMVY? ====
+**Only if husband is government employee receiving maternity benefit** under CCS Rules — then **excluded** (to avoid double benefit).
+==== I changed my address. Will my second instalment come? ====
+Visit Anganwadi at new address. Update in PMMVY-CAS. DBT continues to your bank — bank account is the anchor, not the Anganwadi.
+==== My MCP card is missing. What do I do? ====
+**ASHA worker reissues** at Anganwadi. Free. Take Aadhaar.
+==== Can I claim PMMVY + JSY + state schemes together? ====
+**Yes, all stackable.** Best to enrol in all three at the first Anganwadi visit.
+===== You may also be eligible for =====
+  * **[[:sukanya-samriddhi-yojana|Sukanya Samriddhi]]** — for the girl child < 10
+  * **[[:beti-bachao-beti-padhao|BBBP + state schemes]]** — local cash for girl child
+  * **[[:ayushman-bharat-benefits-2026|Ayushman Bharat]]** — health cover
+  * **[[:ujjwala-yojana|Ujjwala 2.0]]** — free LPG
+  * **[[:women-social-welfare-schemes-india|👩 All women's schemes]]**
+  * **[[:e-shram-card|e-Shram]]** — universal worker card
+===== Sources =====
+  * [[https://wcd.nic.in/schemes/pradhan-mantri-matru-vandana-yojana|PMMVY official — MWCD]]
+  * [[https://wcd.nic.in/pmmvy-cas|PMMVY-CAS portal]]
+  * Helpline: **011-2330 2010**
+{REVIEWED}
+//Last reviewed: 3 May 2026.//
+===== Visual / Infographic prompts =====
+  * **Infographic concept:** 3-stage payment chart: ₹3,000 (registration during pregnancy) → ₹2,000 (post-delivery + child immunisation) → ₹6,000 if 2nd child is girl. Total: ₹5,000-11,000.
+==== SVG icon prompts (use any AI image gen) ====
+  - Minimal mother-and-baby icon with '₹6,000' rupee bubble.
+  - Anganwadi building icon with ASHA worker silhouette.
+  - MCP card icon with checkmarks for ANC visits.
+==== Feature image prompt ====
+//Realistic warm photo of an Indian woman in late pregnancy at an Anganwadi centre, ASHA worker filling her MCP card.//
+{{tag>pm-matru-vandana PMMVY maternity women-schemes 2026}}