Here is the whole scheme in one place: what you get, who qualifies, how to apply, and what to check.
| Scheme | Janani Suraksha Yojana (JSY) |
|---|---|
| Ministry | Ministry of Health and Family Welfare, Govt of India, under the National Health Mission |
| Benefit | Cash incentive for institutional delivery, paid in parts after birth |
| Who can apply | Poor pregnant women, mainly in rural and under-served areas |
| How it is paid | Direct transfer to the woman's bank or post office account |
| Apply at | Government health facility, ASHA worker, or Auxiliary Nurse Midwife (ANM) |
| Cost to apply | Free |
Key points
- The scheme pays cash to encourage delivery in a health facility.
- ASHA workers help women register and reach a facility.
- The cash is paid in parts, linked to the delivery and checkups.
- Safe delivery in a government facility is free of cost.
So what exactly does a woman get?
Eligible women get a cash incentive for giving birth in a government health facility.
The scheme aims to reduce maternal and infant deaths by bringing women to hospitals.
Exact amounts can change, so please confirm the current figures on the National Health Mission website.
Who can apply, and who cannot?
The scheme is mainly for poor pregnant women, especially in rural and under-served areas.
Women from weaker sections who deliver in a government facility or an accredited private facility are the focus.
Check the current eligibility rules with your ASHA worker or health centre, as they can be updated.
Why was this scheme started?
Janani Suraksha Yojana was started under the National Rural Health Mission, now part of the National Health Mission.
The National Health Mission was launched in 2013 and is run by the Ministry of Health and Family Welfare.
Its aim is safer deliveries and better health care for mothers and newborns.
What documents should you keep ready?
Keep your Aadhaar card or another photo identity proof.
Keep your bank or post office account details, with the passbook copy.
Keep your pregnancy registration card and any hospital papers.
How do you apply, step by step?
Meet your ASHA worker early in pregnancy and get registered.
Go to a government health facility for your antenatal checkups and delivery.
After delivery, the facility or ASHA worker helps you complete the paperwork for the payment.
- 1Register with your ASHA workerMeet your ASHA worker early in pregnancy and get registered.
- 2Deliver at a government facilityGo to a government health facility for antenatal checkups and delivery.
- 3Complete the payment paperworkAfter delivery, the facility or ASHA worker helps you complete the paperwork for payment.
Graphic: News Anek, from the facts in this report
How do you apply offline, and what if the money is stuck?
Most women apply through the ASHA worker, the ANM, or the health facility where they deliver.
If the payment is delayed, meet the ASHA worker or the health centre in charge first.
You can also check the National Health Mission website for guidance and contact details.
Any warnings and important tips?
Never pay an agent or middleman to get this benefit. Government help is free.
Always check the official National Health Mission website for the latest rules.
Frequently asked questions
Is Janani Suraksha Yojana only for rural women?
It is mainly focused on rural and under-served areas, but eligibility rules can be checked with your health centre.
Where do I get the cash?
The money is paid directly to your bank or post office account after the required steps are done.
Do I need to pay anything?
No. Government facilities give delivery services free of cost, and the scheme is free to apply.
Can I deliver in a private hospital?
Private delivery may not qualify for the cash incentive. Please check with your ASHA worker first.
Who helps me with the paperwork?
Your ASHA worker, ANM, or the health facility staff can guide you through the process.
Official links
This guide is based on official scheme rules. Rules and amounts can change, so always confirm on the official website before you apply. News Anek is not a government website.
