Janani Suraksha Yojana
Ongoing scheme
This scheme runs continuously. Enrolment follows the standing process described below.
Quick Summary
| Detail | Information |
|---|---|
| Scheme Name | Janani Suraksha Yojana (JSY) |
| Ministry | Ministry of Health and Family Welfare (NHM) |
| Beneficiaries | Pregnant Women aged 19+ |
| Benefit | Cash assistance (₹600 to ₹1400) for delivering in a hospital |
| Key Enabler | Local ASHA Worker / ANM |
About the Scheme
The Janani Suraksha Yojana (JSY) is a safe motherhood intervention under the National Health Mission (NHM). Its sole purpose is to reduce maternal and infant mortality by bribing mothers (in a positive way) to stop delivering babies at home and instead go to a government hospital or accredited private facility.
Exact Financial Benefits (Rural vs Urban)
The cash assistance you receive depends entirely on which state you live in. The government divides states into LPS (Low Performing States) and HPS (High Performing States) based on their institutional delivery rates.
- LPS States: (UP, Bihar, MP, Rajasthan, Assam, Odisha, Jharkhand, Chhattisgarh, Uttarakhand, J&K).
- HPS States: All other states (e.g., Kerala, Tamil Nadu, Maharashtra).
Cash to the Mother:
- LPS Rural: ₹1,400
- LPS Urban: ₹1,000
- HPS Rural: ₹700 (Usually restricted to BPL/SC/ST)
- HPS Urban: ₹600 (Usually restricted to BPL/SC/ST)
Actionable Tip - The ASHA Factor: Do not bypass the ASHA worker. She receives a dedicated incentive (₹600 in rural, ₹400 in urban) for ensuring you get your ANC checkups and taking you to the hospital. If you register through her early in your pregnancy, she will ensure the paperwork for your JSY cash is processed quickly at the hospital.
Hidden Clauses & Exceptions
- Home Delivery Exception: If a BPL mother opts for a home delivery, she is still eligible for cash assistance, but it drops drastically to just ₹500.
- Two Live Births Rule: In most HPS states, the JSY cash benefit is strictly restricted to the first two live births. However, in LPS states, this restriction has largely been removed.
- Not an Insurance Scheme: JSY gives you ₹1,400 cash. It does not cover the cost of a C-section or a private hospital bill. (However, under the parallel JSSK scheme, all drugs, diet, and delivery costs inside a government hospital are completely free).
Documents Required
- Mother and Child Protection (MCP) Card / JSY Card (Given by the Anganwadi/ASHA).
- Aadhaar Card.
- BPL/Ration Card (Crucial in HPS states).
- Bank Passbook (Aadhaar-seeded for direct DBT).
Important Links
| Purpose | Link |
|---|---|
| National Health Mission (JSY Info) | nhm.gov.in |
FAQs
Sources and review
Facts in this guide were last checked against the official sources below on . Rules can change after that date, so confirm details on the official portal before you apply.
Official sources used
- National Health Mission — Janani Suraksha Yojana Guidelines (opens in a new tab) — Ministry of Health and Family Welfare, GoI (accessed 25 Oct 2026)
Written and maintained by Abhijit Chowdhury. Read our editorial and corrections policy.
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