author(s)
Akhila A, Nancy Choudhary, Pallavi, Payal, Ritika Chona, Riya Narotra, Rupali Dogra, Saloni Sharma and Sanskriti

abstract
As awareness about JSY exists, it remains superficial and limited. Most women understand the financial benefit of institutional delivery but lack deeper understanding of the broader maternal health objectives and unintended consequences of the scheme - such as over-reliance on cash incentives, neglect of antenatal visits, and underreporting of complications. The moderate mean knowledge score (56.72%) demonstrates that while JSY has successfully penetrated rural areas, the quality of knowledge dissemination remains weak. The significant relationship between knowledge and education/income implies that health literacy and socioeconomic empowerment are essential for women to utilize the scheme effectively and responsibly. Hence, it was concluded that the majority of antenatal and postnatal women have moderate knowledge regarding the unintended effects of Janani Suraksha Yojana. Women with higher education and better economic status exhibited greater awareness. The program has achieved commendable progress in promoting institutional deliveries but still lacks adequate informational and educational reinforcement to ensure women understand both the intended and unintended outcomes of JSY. There is a need for continuous health education and awareness programs to enhance understanding, reduce misconceptions, and encourage responsible utilization of the scheme.