Sarkari Yojana
Janani Suraksha Yojana (JSY)
About Janani Suraksha Yojana (JSY)
Launched on 12th April 2025 by the Ministry of Health and Family Welfare, Government of India, the “Janani Suraksha Yojana” works to bring down maternal and neonatal deaths by encouraging institutional delivery among poor pregnant women and ensuring medical care through pregnancy, delivery, and the post-delivery period. It offers 100% centrally sponsored cash assistance bundled with delivery and post-delivery care, aimed at boosting institutional and safe deliveries for Below Poverty Line families, and covers up to ₹1,500/- per case toward hiring specialists for Caesarean sections or obstetric complications. Eligibility depends on the state category (Low Performing or High Performing State), BPL/SC/ST status, and whether delivery happens at a government health centre or accredited private institution. Applications go through antenatal care registration, usually facilitated by Accredited Social Health Activists or other link health workers.
Scheme Overview
Central Government
Ministry Of Health & Family Welfare
Individual
12 Apr 2005
Scheme Details
Eligibility Requirements
To qualify for Janani Suraksha Yojana (JSY), applicants must satisfy the following conditions:
For Institutional Delivery (General):
The applicant must deliver at a government health…
The applicant must deliver at a government health centre — a Sub-centre (specifically approved by the state for institutional delivery), Primary Health Centre, Community Health Centre, First Referral Unit, or the general wards of District and State Hospitals.
The applicant may also deliver at an accredited…
The applicant may also deliver at an accredited private health institution. Eligibility Specific to Low Performing States (LPS):
The applicant must be a pregnant woman
The applicant must be a pregnant woman.
No marriage or Below Poverty Line (BPL) certification…
No marriage or Below Poverty Line (BPL) certification is needed if delivering at a Government or accredited private health institution.
Above Poverty Line (APL) women in LPS also…
Above Poverty Line (APL) women in LPS also get benefits if they deliver at government health centres (Sub-centre, PHC, CHC, FRU, and general wards of District/State Hospitals). Eligibility Specific to High Performing States (HPS):
The applicant must be from a Below Poverty…
The applicant must be from a Below Poverty Line (BPL) household.
The applicant must be a Scheduled Caste (SC)/Scheduled…
The applicant must be a Scheduled Caste (SC)/Scheduled Tribe (ST) woman. For Accredited Private Institutions (LPS & HPS): The applicant must be from a Below Poverty Line (BPL) household.
The applicant must be a Scheduled Caste (SC)/Scheduled…
The applicant must be a Scheduled Caste (SC)/Scheduled Tribe (ST) woman.
The applicant must produce a valid BPL or…
The applicant must produce a valid BPL or SC/ST certificate.
The applicant should carry a referral slip from…
The applicant should carry a referral slip from the ASHA/ANM/Medical Officer and the Maternal and Child Health-JSY card. For Home Delivery (All States/Union Territories):
The applicant must be from a Below Poverty…
The applicant must be from a Below Poverty Line (BPL) household.
The applicant must hold a BPL certificate to…
The applicant must hold a BPL certificate to claim benefits.
Benefits Provided
Janani Suraksha Yojana (JSY) provides the following benefits to eligible applicants:
One-Time Cash Assistance for Institutional Delivery (Mother's Package):
In Low Performing States (LPS):
₹1,400/- for rural areas and ₹1,000/- for urban areas.- In High Performing States (HPS): ₹700/- for rural areas and ₹600/- for urban areas.- For North-Eastern States (except Assam) and rural tribal districts of other states: ₹700/- (Mother's package). Notes:
Women delivering at a public health institution get…
Women delivering at a public health institution get their entire cash entitlement in one installment at the health institution.
Women using an accredited private institution get at…
Women using an accredited private institution get at least three-fourths of the cash assistance in one installment at delivery.
Payment must go only to the beneficiary, never…
Payment must go only to the beneficiary, never to a relative or anyone else.
Disbursement should preferably happen at the institution itself.
Disbursement should preferably happen at the institution itself.
Any payment made outside the seven-day window around…
Any payment made outside the seven-day window around delivery is treated as illegitimate and flagged for audit. Cash Assistance for Accredited Social Health Activist (ASHA) Package:
Referral Transport Assistance:
Roughly ₹250/- toward transport to the nearest health facility, with the exact figure left to the state.- Institutional Delivery Support: At least ₹200/- per delivery for facilitating institutional delivery.- Boarding and Lodging Cost: The remainder of the package covers boarding and lodging during the stay at the health centre.- Total Benefit For Rural Areas: ₹600/- per case — ₹300/- for antenatal care and ₹300/- for institutional delivery.- Total Benefit For Urban Areas: ₹400/- per case — ₹200/- for antenatal care and ₹200/- for institutional delivery. Notes:
The first payment, covering transactional costs, is made…
The first payment, covering transactional costs, is made at the health centre once the ASHA arrives with the expectant mother.
The second payment, the cash incentive, follows the…
The second payment, the cash incentive, follows the ASHA's postnatal visit and the child's BCG immunization, and must be paid within 7 days of delivery.
All ASHA payments are made by the Auxiliary…
All ASHA payments are made by the Auxiliary Nurse Midwife (ANM).
If the ASHA cannot arrange transport, the transport…
If the ASHA cannot arrange transport, the transport assistance is paid directly to the pregnant woman at the institution once she arrives and registers for delivery.
An ASHA gets the cash benefit only if…
An ASHA gets the cash benefit only if she accompanies the pregnant woman to the health centre; her work is judged by how many pregnant women she has motivated and escorted to institutional delivery. Cash Assistance for Home Delivery
₹500/- per delivery for BPL pregnant women, regardless…
₹500/- per delivery for BPL pregnant women, regardless of age or number of children.
Meant to cover the beneficiary's care during delivery…
Meant to cover the beneficiary's care during delivery or incidental expenses. Disbursed at delivery or roughly 7 days beforehand, by an ANM, ASHA, or another link worker. Payments outside the seven-day window around delivery are considered illegitimate. Assistance for Caesarean Section or Management of Obstetric Complications
Up to ₹1,500/- per delivery (case), which the…
Up to ₹1,500/- per delivery (case), which the health institution uses to hire private-sector specialists, or to pay an honorarium/transport cost to bring in specialists from other government facilities when unavailable locally. This assistance goes to the government health institution, not directly to the beneficiary. Health institutions offering this facility must prepare a panel of such doctors in advance, and inform pregnant women during micro-birth planning. Comprehensive Maternal and Newborn Care (aligned with Janani Shishu Suraksha Karyakram - JSSK objectives)
Free and Cashless Delivery
Free and Cashless Delivery: Covers normal deliveries and Caesarean sections.
Free Drugs
Free Drugs: Necessary medicines provided.
Free Diagnostics
Free Diagnostics: Essential diagnostic tests.
Free Provision of Blood
Free Provision of Blood: Blood transfusions available if needed.
Free Diet
Free Diet: Hot cooked meals at Government Hospitals and Tertiary Care Centers; two dry biscuit packs and a milk packet at PHCs/CHCs.
Free Transport
Free Transport: To and from the health facility, including referral transport to higher centres and drop-back home, for obstetric women and sick infants up to 30 days old. Compensation for Sterilization
If the mother or her husband voluntarily undergoes…
If the mother or her husband voluntarily undergoes sterilization right after delivery, the compensation under the existing Family Welfare scheme is paid to the mother at the hospital itself. Antenatal Care (ANC) Services
Covers identifying and registering pregnant women, at least…
Covers identifying and registering pregnant women, at least three ANC check-ups, Tetanus Toxoid (TT) injections, and Iron Folic Acid (IFA) tablets. Postnatal Care (PNC) Services
Includes a postnatal visit within 7 days of…
Includes a postnatal visit within 7 days of delivery to track the mother's health, counseling on starting breastfeeding within one hour of birth and continuing it for 3-6 months, and promoting family planning. Newborn Immunization
Arranges newborn immunization, initially specified up to 14…
Arranges newborn immunization, initially specified up to 14 weeks of age (some sources mention 10 weeks).
Documents Required
Applicants should keep the following documents ready before starting the application:
During Application
Certificate showing Below Poverty Line status (needed in…
Certificate showing Below Poverty Line status (needed in every High Performing State, and in all states for deliveries at home).
Certificate of Scheduled Caste status (for women delivering…
Certificate of Scheduled Caste status (for women delivering in accredited private institutions).
Certificate of Scheduled Tribe status (for women delivering…
Certificate of Scheduled Tribe status (for women delivering in accredited private institutions).
The Maternal And Child Health Card (mandatory for…
The Maternal And Child Health Card (mandatory for every beneficiary and part of the Janani Suraksha Yojana Registration Card). During Benefit Disbursement
The Janani Suraksha Yojana Card (every beneficiary must…
The Janani Suraksha Yojana Card (every beneficiary must produce it together with the Maternal and Child Health Card).
A Referral Slip issued by the Accredited Social…
A Referral Slip issued by the Accredited Social Health Activist/Auxiliary Nurse Midwife/Medical Officer, which the beneficiary carries for accredited private institutions and which is used to decide the cash benefit based on residency.
The Admission Slip For Delivery, shown together with…
The Admission Slip For Delivery, shown together with a voucher to encash the mother's package plus transport assistance at the hospital cash counter.
A Voucher worth the mother's package plus transport…
A Voucher worth the mother's package plus transport assistance amount, encashed at the hospital's cash counter on discharge.
Vouchers given by the Auxiliary Nurse Midwife to…
Vouchers given by the Auxiliary Nurse Midwife to the Accredited Social Health Activist, to be encashed after certification.
Monitoring and Reporting Stage
Monitoring and Reporting Stage:
An Expenditure Statement for money advanced, which the…
An Expenditure Statement for money advanced, which the Accredited Social Health Activist/Anganwadi Worker must give the Auxiliary Nurse Midwife every month.
The Statement Of Janani Suraksha Yojana Delivery /…
The Statement Of Janani Suraksha Yojana Delivery / Antenatal Care / Obstetric Complication Cases, which accredited private health centers prepare and send to the Medical Officer each month.
Referral Slips, sent by accredited private health centers…
Referral Slips, sent by accredited private health centers with the monthly statement so that sample verification can be done.
2005-04-12
How to Apply
Offline Application
Applicants can apply for Janani Suraksha Yojana (JSY) through the offline application process outlined below.
Application Portal: Open Application Portal ↗
Identification and Registration of Beneficiary - An ASHA,…
Identification and Registration of Beneficiary
An ASHA, ANM, Anganwadi Worker, or other designated link worker identifies and registers the pregnant woman as a scheme beneficiary.
This should happen at least 20 to 24 weeks before the expected delivery date, so benefits and services reach her in time.
Maternal and Child Health Card Filling - Right…
Maternal and Child Health Card Filling
Right after registration, the ANM, ASHA, Anganwadi Worker, or equivalent link worker fills out a Maternal and Child Health card accurately.
Issued in duplicate — one copy for the mother, one kept by the link worker — this card forms a core part of JSY registration.
Antenatal Care Information and Planning - The link…
Antenatal Care Information and Planning
The link worker informs the applicant about the schedule for at least three antenatal check-ups and the required Tetanus Toxoid injections, and ensures these are delivered.
They also identify and communicate the referral health centre and the planned place and date of delivery.
The ASHA follows up on antenatal visits at Anganwadi Centres or Sub-centers to ensure the beneficiary attends.
Collection of Necessary Proofs/Certificates - Where the eligibility…
Collection of Necessary Proofs/Certificates
Where the eligibility criteria require it, the ASHA/ANM/Anganwadi Worker/link worker helps the applicant gather BPL or other relevant certificates from the local Panchayat, local body, or Municipality.
This should be completed within two to four weeks of initial registration.
Submission for Verification and Fund Arrangement - The…
Submission for Verification and Fund Arrangement
The filled-out JSY card goes to the PHC's Medical Officer for verification. At the same time, transport or cash is arranged so the beneficiary can reach the health centre for delivery or in case of complications.
Adequate funds are also kept ready with the ANM, health worker, or ASHA for prompt benefit disbursement.
General Steps for Receiving the Benefits
Accessing Health Centre for Delivery - The pregnant…
Accessing Health Centre for Delivery
The pregnant woman, ideally accompanied by an ASHA or another link worker, goes to the pre-decided government or accredited private institution for delivery.
The ASHA is expected to stay with her until discharge.
Cash Benefit Disbursement at Institution - On arrival…
Cash Benefit Disbursement at Institution
On arrival and registration for delivery, the mother — and the ASHA, if applicable — should immediately receive their entitled cash benefit.
This is typically handled by the ANM or ASHA (or another link worker under the ANM's guidance).
For deliveries at accredited private institutions, the cash benefit reaches the mother via the ANM/ASHA/link worker channel.
Some hospitals use a voucher system, where an admission slip for delivery plus a voucher for the mother's package and transport assistance can be encashed at the hospital's cash counter at discharge.
Payments outside the seven-day window around delivery are treated as illegitimate and flagged for audit.
Postnatal Care and Immunization - The ASHA must…
Postnatal Care and Immunization
The ASHA must make a postnatal visit within seven days of delivery to check on the mother's health and get the newborn immunized, specifically for BCG.
This visit and immunization are required before the ASHA gets her second payment installment.
Sterilization Compensation (if applicable) If the mother or…
Sterilization Compensation (if applicable)
If the mother or her husband opts for voluntary sterilization right after delivery, the compensation under the existing Family Welfare scheme is paid directly to the mother at the hospital.
Application Deadlines:
Register for antenatal care in good time, ideally 20-24 weeks before the expected delivery date.
Home delivery cash benefits should be disbursed at the time of delivery or roughly 7 days before.
Payments outside the seven-day window around delivery draw audit objections.
Where to Apply
Registration and services run through government health centres — Sub-centers, PHCs, CHCs, First Referral Units, and District/State Hospitals — as well as accredited private institutions. ASHAs, ANMs, and Anganwadi Workers are the key community-level contacts for guidance.
Application Status Tracking
A list of JSY beneficiaries, showing the date cash was disbursed, must be displayed on notice boards at all Sub-centers, PHCs, CHCs, and District Hospitals, for transparency.
This list must be updated monthly.
Help & Support / Grievance Redressal
Every district must set up a dedicated grievance redressal cell under the District Project Management Unit.
This cell handles complaints about eligibility, the correct cash assistance amount, and delays in disbursement.
Details of this cell — the officer's name, postal address, and phone number — must be prominently displayed at all health centers and institutions.
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.