Ayushman Card Status Check: How to Verify Yours Online

September 15, 2026September 5, 2026

Quick answer: You can check your Ayushman (PM-JAY) card status for free on the beneficiary portal by logging in with your mobile number and OTP, then searching your household record. The result shows whether your card is active, whether eKYC is complete, and whether you’re eligible to download it — all without visiting an office.

Key Takeaways

Status checking is free and takes just a few minutes on the official beneficiary portal.
You’ll typically need your registered mobile number, plus Aadhaar or ration card details to locate your record.
A status check tells you whether your card is active, pending eKYC, or not yet generated — not just whether you’re “eligible” in general.
If your card shows as inactive or you can’t find your record, a Common Service Centre or your PM-JAY helpline can help troubleshoot.

How to Check Your Ayushman Card Status Online

Visit the official beneficiary portal at beneficiary.nha.gov.in.
Enter your registered mobile number and the captcha, then request an OTP.
Enter the OTP to log in.
Search for your household using Aadhaar number, ration card, or other listed identifiers.
Select your name from the household members shown to view your individual status.

What the Different Status Results Mean

Status shown	What it means	Next step
Active / card generated	You’re eligible and your card is ready to download or already issued	Download or keep your existing card handy
Eligible, eKYC pending	You’re eligible but need to complete identity verification first	Complete eKYC via Aadhaar-based verification
Not found	No matching record for the identifiers you searched	Try alternate identifiers, or check with a CSC before assuming ineligibility — our beneficiary list check guide covers searching by ration card, name, or RSBY URN if your mobile number alone isn’t finding a match
Not eligible	The household doesn’t currently meet PM-JAY’s eligibility criteria	Check for a state extension scheme with different eligibility rules

Checking Status by Phone

If you don’t have internet access, you can call the official PM-JAY helpline at 14555 for status and eligibility assistance. A separate helpline, 1800-11-0770, is available specifically for the Ayushman Vay Vandana Card for beneficiaries aged 70 and above.

Checking Status at a Hospital or CSC

Empanelled hospitals have a PM-JAY help desk (often staffed by an “Ayushman Mitra”) that can look up your status on the spot using your Aadhaar details, which is useful if you need to confirm coverage immediately before treatment. Common Service Centres can perform the same lookup for non-urgent checks and can also assist with eKYC or card generation if your status shows as pending.

Common Mistakes

Mistake	What to do instead
Assuming “not found” means permanent ineligibility	Try alternate identifiers or ask a CSC to search using additional details
Paying someone to “check your status” for you online	The check is free and takes a few minutes yourself, or via a government CSC
Not re-checking after completing eKYC	Status updates once eKYC is processed — check again after completing it

Conclusion

A status check is the quickest way to know exactly where your PM-JAY record stands — active, pending, or not yet found — rather than guessing based on general eligibility criteria. If anything looks wrong or incomplete, the helpline and your nearest CSC are both free ways to get it sorted.

Frequently Asked Questions

How do I check my Ayushman card status online?

Is there a phone number to check Ayushman card status?

Yes, call the official PM-JAY helpline at 14555; a separate line, 1800-11-0770, serves the Ayushman Vay Vandana Card for those 70 and above.

What does ‘eKYC pending’ status mean?

It means you’re eligible but need to complete identity verification before your card can be fully activated or downloaded.

Is checking my status free?

Yes, checking your status online, by phone, or at a Common Service Centre is free.

Ayushman Card Eligibility Criteria: Who Qualifies for PM-JAY

September 14, 2026September 5, 2026 2 Comments

Quick answer: PM-JAY eligibility isn’t based on applying or on income certificates — it’s determined automatically from Socio-Economic Caste Census (SECC) data for rural households and defined occupational categories for urban households, plus certain automatic-inclusion and automatic-exclusion rules. The most reliable way to know if your family qualifies is to search your record directly on the official beneficiary portal, since the underlying criteria are detailed and applied at the household level.

Try it interactively: Use our PM-JAY Eligibility Checker to answer a few quick questions and get an instant, general indication of where your household stands.

Key Takeaways

Eligibility is based on existing SECC and state welfare data, not a new application or income proof you submit.
Rural eligibility uses a set of deprivation-based criteria; urban eligibility uses defined occupational categories.
Some households are automatically included (for example, based on certain welfare scheme memberships) and some are automatically excluded (for example, based on specific asset ownership).
Because the exact criteria are detailed and applied by NHA/state agencies at the household level, checking your own record on the beneficiary portal is the most accurate way to confirm eligibility — general criteria lists are a starting point, not a guarantee.

Rural Eligibility: Deprivation-Based Criteria

In rural areas, eligibility draws on deprivation criteria identified through the SECC, which flag households facing specific forms of socio-economic disadvantage — for example, households with no adult member between certain working ages, female-headed households with no adult male member, households dependent on manual casual labour for income, and households living in single-room or kutcha housing, among other defined categories. NHA’s official policy documentation confirms multiple such deprivation categories apply, but doesn’t publish a single simplified public checklist covering every category in full detail — which is exactly why a direct eligibility search on the beneficiary portal is more reliable than trying to self-assess against a general description.

Urban Eligibility: Occupational Categories

In urban areas, eligibility is generally linked to specific informal-sector occupations rather than housing or asset criteria — categories that have historically included groups such as street vendors, domestic workers, construction and sanitation workers, home-based artisans, and similar occupations with limited job security and social protection. As with the rural criteria, the complete official list is maintained by NHA and applied at the household record level, so the most dependable way to confirm whether your occupation category qualifies is to check your own household’s status directly rather than relying on a general summary.

Automatic Inclusion and Automatic Exclusion

Category	General principle
Automatic inclusion	Certain households are included automatically based on factors like existing enrollment in specific welfare categories, without needing to separately meet the deprivation or occupational criteria
Automatic exclusion	Households meeting certain asset-ownership or income-level thresholds (for example, owning specific categories of vehicles, land, or having salaried government employment) are generally excluded, regardless of other factors

These inclusion and exclusion rules exist precisely to keep the scheme targeted, and the specific thresholds are set and periodically reviewed by NHA and state governments rather than fixed permanently.

Eligibility Under State Extension Schemes

Several states run their own extended health coverage schemes alongside PM-JAY, sometimes broadening eligibility beyond the central criteria or offering coverage under a different state-specific name. If your family doesn’t match the core PM-JAY criteria, it’s worth checking whether your state runs its own extension scheme, since eligibility rules and enrollment can differ from the central program.

How to Actually Check Your Eligibility

Go to beneficiary.nha.gov.in and log in with your mobile number and OTP.
Search your household using Aadhaar, ration card, or other listed identifiers.
Review the eligibility status shown against your matched record.

This direct check reflects the actual, detailed criteria applied to your specific household — far more reliably than any general list of categories can.

Common Mistakes

Mistake	What to do instead
Assuming eligibility based only on income level	Eligibility depends on specific SECC/occupational criteria and inclusion-exclusion rules, not a simple income cutoff
Concluding ineligibility from a general criteria list alone	Search your actual household record on the beneficiary portal — the applied criteria are more detailed than any summary
Not checking for a state extension scheme	Some states offer broader coverage under their own scheme names

Conclusion

PM-JAY eligibility rules are detailed and applied at the household level using existing government data, which means a general criteria list can only give you a rough sense of where you stand. Checking your specific household record on the official beneficiary portal remains the most accurate way to know for certain.

Frequently Asked Questions

How is PM-JAY eligibility decided?

It’s determined from existing SECC data (rural) and defined occupational categories (urban), plus automatic inclusion and exclusion rules — not from a new application.

Is eligibility based on income alone?

No. It depends on specific deprivation or occupational criteria and inclusion-exclusion rules, not a single income threshold.

What’s the most reliable way to check if my family qualifies?

Search your household directly on the official beneficiary portal — general criteria lists are only a rough guide.

Can I be eligible under a state scheme even if I don’t match core PM-JAY criteria?

Possibly — several states run their own extended coverage schemes with different eligibility rules.

Ayushman Bharat Golden Card: What It Actually Means

September 13, 2026September 5, 2026

Quick answer: “Golden Card” is the popular nickname for the PM-JAY (Ayushman Bharat) beneficiary e-card — the official document confirming your family’s eligibility for cashless treatment up to ₹5 lakh per family per year at empanelled hospitals. It’s not a separate or premium product; it’s simply the common name people use for the standard Ayushman card.

Key Takeaways

“Golden Card” and “Ayushman card” refer to the same document — the name isn’t official terminology, just widely used shorthand.
It confirms eligibility for cashless, paperless treatment up to ₹5 lakh per family per year under PM-JAY.
It’s different from the Ayushman Bharat Health Account (ABHA) ID, which is a separate digital health-records ID under a different initiative.

Where the Name “Golden Card” Comes From

The nickname likely comes from how the scheme has been described in public messaging and local-language media as unlocking valuable, high-value health coverage — treatment worth up to ₹5 lakh per family, at no cost at the point of care. Over time, “Golden Card” stuck as an informal name in everyday conversation and search behavior, even though NHA’s official documentation refers to it simply as the Ayushman card or PM-JAY e-card.

Golden Card vs. ABHA ID: A Common Mix-Up

	Ayushman Card (“Golden Card”)	ABHA ID
What it is	Proof of PM-JAY eligibility for ₹5 lakh/year cashless treatment	A unique digital health ID for storing and sharing health records
Who needs it	Only PM-JAY-eligible families	Any Indian resident, regardless of PM-JAY eligibility
Where it’s issued	beneficiary.nha.gov.in	Ayushman Bharat Digital Mission (ABDM) platforms
What it unlocks	Cashless hospital treatment under PM-JAY	Linked digital health records across providers

Both fall under the broader “Ayushman Bharat” umbrella, which is part of why the two get confused — but they solve different problems and having one doesn’t automatically mean you have the other.

What the Golden Card Covers

Cashless hospitalization up to ₹5 lakh per family per year at empanelled hospitals
Pre- and post-hospitalization expenses within the defined package
Coverage across most public and many empanelled private hospitals nationwide, including outside your home state

How to Get Your Golden Card

If you’re already confirmed as PM-JAY eligible, you can download your card for free from the beneficiary portal after completing eKYC. If you haven’t checked eligibility yet, that’s the first step — the card itself is generated only after eligibility is confirmed.

Common Mistakes

Mistake	What to do instead
Searching for a separate “Golden Card scheme”	It’s the same thing as the standard Ayushman/PM-JAY card, not a different program
Confusing it with the ABHA health ID	ABHA is for digital health records; the Golden Card is for PM-JAY treatment eligibility
Paying for a “premium” or “gold-tier” version	There’s only one official card, and it’s free to obtain

Conclusion

“Golden Card” is just an informal, widely-used name for the standard Ayushman Bharat (PM-JAY) e-card — not a special tier or add-on. If you’re eligible, downloading it costs nothing and works the same way regardless of what you call it.

Frequently Asked Questions

Is the Golden Card different from the regular Ayushman card?

No, “Golden Card” is just a popular nickname for the same PM-JAY beneficiary e-card.

How much coverage does the Golden Card provide?

Up to ₹5 lakh per family per year for cashless treatment at empanelled hospitals.

Is the Golden Card the same as an ABHA ID?

No. ABHA is a separate digital health-records ID; the Golden Card confirms PM-JAY treatment eligibility specifically.

Do I need to pay to get a Golden Card?

No, obtaining the digital e-card is free once your PM-JAY eligibility is confirmed.

How to Apply for Ayushman Card: Complete Process Explained

September 12, 2026September 5, 2026 3 Comments

Quick answer: There’s no traditional “application form” for an Ayushman card — PM-JAY eligibility is determined from existing SECC and state welfare data. What you actually do is check whether your family is already listed as eligible on the beneficiary portal, complete eKYC identity verification if needed, and then generate your card. If your family isn’t found, a Common Service Centre can help you pursue verification through other listed identifiers.

Key Takeaways

PM-JAY doesn’t work like a loan or scholarship application — there’s no form where you submit income proof to newly qualify.
Eligibility is checked, not applied for, using your Aadhaar, ration card, or other household identifiers against existing government data.
The entire process — eligibility check, eKYC, and card generation — is free through official channels.

Step 1: Check Your Eligibility

Visit beneficiary.nha.gov.in and log in with your mobile number and OTP.
Search for your household using your name, Aadhaar number, ration card, or mobile number.
If a matching record appears with eligible status, you can proceed to the next step.

Step 2: Complete eKYC Verification

If your record is found but eKYC hasn’t been completed, you’ll need to verify your identity — usually via Aadhaar-based OTP or biometric verification — before your card can be generated. This confirms that the person applying matches the beneficiary listed in the record.

Step 3: Generate and Download Your Card

Once eKYC is complete, a Download Card (or Generate Card) option becomes available. This produces your digital e-card, which you can save as a PDF or optionally get printed at a Common Service Centre for a small fee.

Stage	What happens	Cost
Eligibility check	Search your family in existing SECC/state welfare data	Free
eKYC verification	Confirm your identity, usually via Aadhaar	Free
Digital card download	Save your e-card as a PDF	Free
Physical card printing (optional)	Get a plastic card printed at a CSC	Small fee, typically ₹30–50

If Your Family Isn’t Found in the System

Not being found on a first search doesn’t automatically mean you’re ineligible — try alternate spellings of names, a different family member’s details, or your ration card number instead of Aadhaar. If repeated searches still don’t return a match, your nearest Common Service Centre or your state’s health department helpdesk can look into whether your household appears under a different identifier in the underlying welfare data. This is also where genuinely ineligible households will get an accurate answer, rather than continuing to search indefinitely.

Common Mistakes

Mistake	What to do instead
Looking for a downloadable “application form” online	There isn’t one — eligibility is checked against existing data, not applied for on paper
Paying an agent who claims they can “get you approved”	Eligibility is determined by existing data, not negotiable through a paid agent
Assuming a failed search means permanent ineligibility	Try alternate identifiers and search fields, or ask a CSC to check on your behalf

Conclusion

“Applying” for an Ayushman card really means checking existing eligibility and completing verification, not filling out a fresh application. Start at the beneficiary portal, complete eKYC if prompted, and your card is ready to download.

Frequently Asked Questions

Is there an application form for the Ayushman card?

No. PM-JAY eligibility is determined from existing SECC and state welfare data rather than a submitted application form.

How do I know if my family is eligible?

Search for your household on the beneficiary portal using your Aadhaar number, ration card, or mobile number.

Is there a fee to apply for or generate an Ayushman card?

No, the eligibility check, eKYC, and digital card generation are all free through official channels.

What if my family isn’t found in the eligibility search?

Try alternate names or identifiers, or visit a Common Service Centre for help checking your record.

Mera PMJAY & UTIITSL eKYC Portal: What They Do and When You Need Them

September 10, 2026September 5, 2026

Quick answer: “Mera PMJAY” and the UTIITSL-run eKYC portal (pmjay.utiitsl.com) are related to updating and verifying your existing Ayushman card details — things like re-confirming your identity, updating your photo, or correcting an address. They’re for beneficiaries who already have a record in the system, not for a first-time eligibility check.

Key Takeaways

eKYC (electronic Know Your Customer) confirms your identity against your existing PM-JAY record, usually via Aadhaar.
UTIITSL is one of the empanelled agencies handling e-card and eKYC services for PM-JAY in several states.
If you’re checking eligibility for the first time, start at the beneficiary portal instead — eKYC comes after you’re already identified as a beneficiary.

When You’d Actually Need eKYC

Situation	What eKYC does
Your card details don’t match your current ID	Re-verifies your identity against Aadhaar and updates the record
You need to update your photo	Refreshes the photo linked to your Ayushman card
Your address has changed	Updates your registered address for the household
You’re generating your card for the first time after approval	Completes identity verification as part of card issuance

How the eKYC Process Generally Works

Log in using your registered mobile number and OTP.
Select the eKYC option and choose your verification method (commonly Aadhaar-based).
Confirm or update the details shown against your existing record.
Submit — most eKYC updates process quickly, though some may require admin review.

“Mera PMJAY” vs. the Main Beneficiary Portal

“Mera PMJAY” (meaning “my PMJAY”) is sometimes used informally, and occasionally as an app or portal name in specific states, to refer to a beneficiary’s personal view of their own record — checking their card, family members, and coverage details. It isn’t a separate scheme or a competing system; it draws on the same underlying beneficiary data as beneficiary.nha.gov.in. If you find a “Mera PMJAY” branded page or app, the same basic rule applies as anywhere else in this scheme: the official version will be free, will reference nha.gov.in or pmjay.gov.in, and won’t ask you to pay to view your own information.

Common Mistakes

Mistake	What to do instead
Using eKYC as a substitute for an initial eligibility check	Check eligibility on the beneficiary portal first — eKYC assumes you’re already identified
Paying a third party to “complete eKYC” for you	eKYC through official channels is free
Assuming Mera PMJAY and the main beneficiary portal are unrelated	They serve the same underlying beneficiary record — treat them as connected, not separate systems

What to Do if eKYC Verification Fails

A failed eKYC attempt is usually a data-matching issue rather than a sign you’re ineligible — the name, date of birth, or address on your Aadhaar record may not exactly match what’s already on file in your PM-JAY beneficiary record. Before assuming there’s a bigger problem, try the process again carefully checking each field, and if it still fails, your nearest Common Service Centre or empanelled hospital’s Ayushman Mitra can usually complete the verification manually using your original documents. Repeated automated failures are common in rural areas where SECC records were entered with minor spelling variations, so a manual check often resolves what the online form can’t.

Conclusion

eKYC is a maintenance step, not a starting point — it exists to keep an already-confirmed beneficiary’s details accurate over time. If you haven’t checked your eligibility yet, that’s the beneficiary portal’s job; eKYC comes afterward.

Frequently Asked Questions

Is eKYC required for every PM-JAY beneficiary?

It’s typically required when your identity details need to be verified or updated against your existing record, such as before card generation.

Is there a fee for eKYC?

No, eKYC through official PM-JAY channels is free.

What documents does eKYC usually use?

Aadhaar-based verification is the most common method.

Should I start with eKYC if I’ve never checked my PM-JAY eligibility?

No — check eligibility on the beneficiary portal first; eKYC is a follow-up step for confirmed beneficiaries.

PMJAY UMP Portal: Single Sign-On for Hospital & Scheme Staff

September 9, 2026September 5, 2026

Quick answer: UMP (User Management Portal) is the account and access-management system behind PM-JAY’s staff-facing applications like TMS. Rather than a separate login for every tool, hospital and scheme staff use one UMP account to reach all the applications their role is approved for. It’s built for staff, not for patients checking their own eligibility.

Key Takeaways

UMP is a single sign-on (SSO) layer, not a beneficiary-facing eligibility tool.
Accounts are created through Aadhaar-based eKYC and approved by an admin at the relevant hospital or health agency.
Three role types exist: application users, admins, and super admins (reserved for NHA and State Health Agencies).

How UMP Access Works

Role	What they do
Application user	Requests access to specific tools (e.g. TMS-Provider) to do their assigned job
Admin	Approves or denies role requests, manages active accounts at their entity
Super admin	NHA/State Health Agency level — configures applications and oversees the whole platform

Registering for a UMP Account

Complete self-registration using Aadhaar-based eKYC verification.
Request access to the specific application(s) your role requires.
Wait for your entity’s admin to approve the request.
Once approved, log in once through UMP to reach every authorised application from a single screen.

What “Role-Based Access” Means in Practice

Not every hospital staff member needs the same level of access, and UMP’s role system reflects that. A billing clerk might only be approved for claim submission within TMS, while a hospital’s PM-JAY nodal officer might hold an admin role covering several applications and the ability to approve new staff requests. This matters for beneficiaries mainly in one practical way: if a staff member tells you they “don’t have access” to check or update something, it’s often because their specific UMP role doesn’t cover that function — not that the system itself is broken — and the request may need to go to someone with a broader role at the same hospital.

Common Mistakes

Mistake	What to do instead
Beneficiaries trying to register on UMP to check their status	Use the beneficiary portal — UMP is for staff, not patients
Creating duplicate accounts for the same person	One eKYC-verified UMP account should cover every approved application
Not knowing who your entity’s admin is	Check with your hospital or health agency’s PM-JAY coordinator before re-registering

Why PM-JAY Uses a Centralized SSO Instead of Per-App Logins

PM-JAY’s staff-facing side involves several separate applications — TMS for claims, and others depending on a hospital or agency’s role — and requiring a different username and password for each would make onboarding and offboarding staff far harder to manage securely. Centralizing access through UMP means an admin can approve, adjust, or revoke a staff member’s access to specific applications from one place, and a staff member only has one eKYC-verified identity to maintain rather than several. This is the same rationale most large institutional systems use for single sign-on, applied to a scheme that spans thousands of empanelled hospitals nationwide.

Conclusion

UMP exists to make life easier for the staff running PM-JAY day to day — one verified login instead of several. It’s not somewhere beneficiaries need to visit, but understanding it clears up a lot of the “which portal do I need” confusion that surrounds the scheme.

Frequently Asked Questions

Is UMP for patients or hospital staff?

UMP is for hospital and scheme staff — it manages access to PM-JAY’s internal applications, not beneficiary eligibility checks.

How do I get a UMP account?

Through Aadhaar-based eKYC self-registration, followed by admin approval for the specific application access you need.

What’s the difference between an admin and a super admin on UMP?

Admins manage accounts and approvals at their own hospital or entity; super admins operate at the NHA/State Health Agency level across the whole platform.

Can one UMP login access multiple PM-JAY applications?

Yes — that’s the point of UMP: a single sign-on across every application your role is approved for.

PMJAY TMS Portal for Hospitals: Login, Claims & How It Works

September 8, 2026September 5, 2026

Quick answer: TMS (Transaction Management System) is the portal hospital and healthcare provider staff use to process PM-JAY patient admissions, treatment authorization, and claims. It’s built for empanelled hospital teams, not for patients — if you’re a beneficiary looking for your own status, use the beneficiary portal instead.

Key Takeaways

TMS is the claims-processing backbone of PM-JAY for empanelled hospitals.
Access is role-based and typically managed through UMP (User Management Portal), which handles single sign-on across PM-JAY’s staff-facing applications.
Patients don’t log into TMS — hospital staff use it on their behalf during treatment and billing.

What TMS Actually Handles

When a PM-JAY beneficiary is admitted to an empanelled hospital, someone on the hospital’s team — not the patient — logs into TMS to verify the patient’s eligibility, get pre-authorization for the treatment package, and later submit the claim for reimbursement. This is the system that keeps the “cashless” part of PM-JAY working: the hospital gets paid through TMS rather than billing the patient directly.

TMS function	Who performs it
Patient eligibility verification	Hospital PM-JAY desk / Ayushman Mitra
Treatment pre-authorization	Hospital medical/claims team
Claim submission and tracking	Hospital billing team
Claim approval and payment	State Health Agency / NHA (payer side)

How Hospital Staff Access TMS

Staff accounts are created and approved through UMP, PM-JAY’s unified login system for its applications.
Once a role (such as TMS-Provider) is approved, staff log in with their UMP credentials.
From there, TMS shows the applications and permissions relevant to that hospital’s role.

What Beneficiaries Actually See When TMS Is Involved

You won’t get a TMS login screen as a patient, but you’ll often see its effects indirectly — a hospital’s PM-JAY desk asking for your Aadhaar and Ayushman card before admission, a short wait while your eligibility is confirmed, and later a bill showing “PM-JAY covered” rather than an itemized charge to you. If a hospital tells you a treatment isn’t covered or asks you to pay upfront, that’s worth double-checking against your card’s actual entitlement and the hospital’s empanelment status, since coverage disputes are more often about package classification than about the TMS system malfunctioning.

Common Points of Confusion

Confusion	Clarification
“Why can’t I, as a patient, log into TMS?”	TMS is staff-only by design — patients use the beneficiary portal instead
“Is TMS the same as the beneficiary portal?”	No — different systems, different audiences, different logins
“My hospital says my claim is ‘in TMS’ — what does that mean?”	It means your treatment authorization or claim is being processed on the hospital’s side, not that anything is required from you directly

What Happens if There’s a Delay in TMS Processing

Occasionally a claim sits “in process” in TMS longer than a patient expects — this is usually a documentation or pre-authorization step on the hospital’s side rather than anything wrong with your eligibility. If your hospital’s PM-JAY desk or Ayushman Mitra can’t explain the delay, it’s reasonable to ask them directly what stage the claim is at (eligibility check, pre-authorization, or final claim submission), since each stage involves a different team and a different expected turnaround. As a patient, you generally shouldn’t need to contact TMS or NHA directly — the empanelled hospital is responsible for managing the claim on your behalf.

Conclusion

TMS is what makes cashless treatment possible under PM-JAY, but it operates entirely on the hospital’s side of the process. As a patient, the only portal you should need is the beneficiary one — TMS activity happening behind the scenes is a normal part of your treatment being processed, not something requiring your login.

Frequently Asked Questions

Do patients need to log into the TMS portal?

No. TMS is used by hospital staff to process admissions and claims — patients use the beneficiary portal for their own status.

How do hospital staff get access to TMS?

Through UMP (User Management Portal), which manages role-based single sign-on across PM-JAY’s staff applications.

What does it mean if my claim is ‘in TMS’?

It means your hospital’s team is processing your treatment authorization or claim — no action is typically needed from you.

Is TMS the same login as the beneficiary portal?

No, they’re separate systems for separate audiences with separate logins.

SETU PMJAY Portal: What It Is and Who Actually Needs It

September 7, 2026September 5, 2026

Quick answer: SETU (setu.pmjay.gov.in) is one of PM-JAY’s internal system-access portals, used primarily by scheme staff and support teams rather than the general public. If you’re a patient or family trying to check your own PMJAY status, you don’t need SETU — the beneficiary portal is the correct destination.

Key Takeaways

SETU sits alongside PM-JAY’s other backend portals (BIS, TMS, UMP) rather than being a public-facing beneficiary tool.
Patients checking eligibility, status, or their Ayushman card should use beneficiary.nha.gov.in instead.
If you landed here after searching “setu pmjay,” it’s worth double-checking which task you’re actually trying to complete.

Why This Portal Confuses So Many Searchers

PM-JAY runs on a family of interlinked systems that all sit under the pmjay.gov.in domain umbrella — the public beneficiary portal, BIS for identification, TMS for hospital claims, UMP for staff account management, and SETU. Because they share branding and are all “official,” people frequently land on the wrong one while searching for something simple, like their own card status.

Portal-by-Portal Quick Reference

Portal	Primary audience
Beneficiary Portal	Patients and families (this is almost always what you want)
BIS	Eligibility verification (part of the beneficiary flow)
TMS	Hospital staff processing claims
UMP	Staff account and role management across PM-JAY applications
SETU	Internal scheme operations and support functions

What “setu” Actually Means Here

“Setu” is a Hindi word meaning bridge, and in most Indian government digital platforms it’s used as a generic name for an internal connector or gateway service — not a beneficiary product. That naming pattern is common across Indian e-governance systems, and it’s part of why the name alone doesn’t tell you much about who a given portal is for. The safest rule of thumb, on PM-JAY or any other government scheme, is to check what the portal’s login page actually asks for: a beneficiary-facing tool will ask for your own mobile number and OTP, while a staff tool will typically reference roles, entities, or admin approval.

What to Do If You Reached SETU by Mistake

If you were searching for your own eligibility, card status, or family details, head to the beneficiary portal instead — that’s where the public-facing login, OTP, and search tools live. Save SETU for if you’re specifically directed there by scheme staff or official documentation.

Staying Safe: How to Tell Official PM-JAY Portals Apart

Because PM-JAY spans several subdomains (beneficiary.nha.gov.in, setu.pmjay.gov.in, and others), it’s worth getting comfortable checking two things before you enter any personal details: the domain should end in nha.gov.in or pmjay.gov.in, and the service you’re using should be free. Fraudulent look-alike sites and agents who charge a “processing fee” are far more common than genuine confusion between two official PM-JAY portals — if a site asks for payment to check your status, generate your card, or “activate” your benefits, it isn’t part of the official process, regardless of how official it looks.

Conclusion

Not every PM-JAY portal is meant for beneficiaries, and SETU is one of the ones built for the system’s internal operations rather than public use. When in doubt, the beneficiary portal is the safe default for anything involving your own family’s coverage.

Frequently Asked Questions

Do I need to use SETU to check my Ayushman card status?

No. Use the beneficiary portal (beneficiary.nha.gov.in) for anything related to your own eligibility, status, or card.

Who typically uses the SETU portal?

It’s primarily used within PM-JAY’s internal operations rather than by the general public.

Is SETU a scam or unofficial site?

No — it’s part of the official pmjay.gov.in family of systems, it simply isn’t the portal beneficiaries need for everyday tasks.

What should I do if I can’t log into SETU?

If you’re a patient, you likely don’t need SETU at all — try the beneficiary portal instead.

BIS PMJAY Portal Explained: What the Beneficiary Identification System Does

September 6, 2026September 5, 2026

Quick answer: BIS (Beneficiary Identification System) is the backend verification system PM-JAY uses to confirm a family’s eligibility using SECC and state welfare data, and to issue an approved Ayushman card once that verification succeeds. It works behind the same login flow as the public beneficiary portal — “BIS” describes the process more than a separate website you need to visit.

Key Takeaways

BIS is the identification and verification engine behind PM-JAY, not a separate application you use day-to-day.
Login and OTP steps are the same ones used on beneficiary.nha.gov.in.
Eligibility categories differ for rural and urban households — occupation-based criteria (casual labourers, domestic workers, street vendors, and similar) apply in urban areas, while SECC deprivation criteria apply in rural areas.
Once BIS approves a record, the family becomes eligible to generate an Ayushman card.

What “Beneficiary Identification System” Actually Means

PM-JAY doesn’t accept open applications the way a bank accepts loan applications. Instead, it starts from existing government data — mainly the Socio-Economic Caste Census (SECC) — and BIS is the system that matches a household against that data, applies the current eligibility rules, and confirms (or denies) coverage. When people search “BIS PMJAY,” they’re usually trying to find out whether this verification has already happened for their family, or how to start it.

Who Qualifies Under BIS Verification

Area	Typical qualifying categories
Rural	Households flagged under SECC deprivation criteria — landless households dependent on manual labour, households with no adult member aged 16-59, female-headed households with no adult male member, and similar categories
Urban	Occupation-based categories — street vendors, domestic workers, construction and repair workers, sanitation workers, home-based artisans, and similar informal-sector occupations

How to Complete BIS Verification

Go to the official PMJAY portal and choose the beneficiary login option.
Enter your mobile number, complete the captcha, and validate.
Enter the OTP sent to your phone.
Search your family record by name, ration card, or household details.
If a match is found and approved, you can proceed to generate your Ayushman card.

Common Mistakes

Mistake	What to do instead
Assuming “BIS” is a different scheme from PM-JAY	It’s the identification process inside PM-JAY, not a separate program
Giving up after one unmatched search	Try alternate spellings or a different family member’s name before concluding you’re ineligible
Paying an agent to “get approved” faster	Verification is free — use the official portal or your nearest Common Service Centre

How BIS Fits Into the Bigger PM-JAY Picture

It helps to think of PM-JAY as running on a small family of connected systems rather than one single application: BIS handles identification and eligibility, TMS handles hospital-side claims once you’re admitted, and UMP manages staff logins across those tools. As a beneficiary, BIS is the only one of these you’ll ever really interact with directly — and even then, it’s happening in the background of the same login you already use on the beneficiary portal, not as a separate step you have to seek out. Understanding this layout is mostly useful for recognizing when a website or person is trying to send you somewhere you don’t actually need to go.

Conclusion

BIS isn’t a hurdle on top of PM-JAY — it’s the mechanism that makes automatic, no-application eligibility possible in the first place. If your family is already in the SECC data and meets the criteria for your area, verification is usually a quick lookup rather than a lengthy process.

Frequently Asked Questions

Is BIS a different scheme from PM-JAY?

No. BIS (Beneficiary Identification System) is the verification process used inside PM-JAY to confirm eligibility — it isn’t a separate scheme.

Do rural and urban households qualify the same way?

No. Rural eligibility uses SECC deprivation criteria, while urban eligibility is based on specific informal-sector occupation categories.

What happens after BIS approves my family?

Once approved, you can generate your Ayushman card through the beneficiary portal.

Can I complete BIS verification without internet access?

Yes — your nearest Common Service Centre can complete the lookup and verification on your behalf.

Is there a fee for BIS verification?

No, verification through the official portal or a government-run CSC is free.

ABHA Card vs Ayushman Card: What’s the Difference?

September 5, 2026September 5, 2026

Quick answer: An ABHA card is a voluntary 14-digit digital health ID that stores and links your medical records across India’s digital health ecosystem (ABDM). An Ayushman card is your proof of enrolment under PM-JAY, the government health insurance scheme that pays for hospital treatment up to ₹5 lakh a year. They come from the same government digital-health push but do completely different jobs — one is an ID, the other is insurance.

Key Takeaways

ABHA (Ayushman Bharat Health Account) is a digital health ID number; it does not by itself pay for any treatment.
The Ayushman card is your PM-JAY membership card, used to get cashless hospital treatment at empanelled hospitals.
Creating an ABHA number is voluntary and open to anyone; getting an Ayushman card requires meeting PM-JAY’s eligibility criteria.
You can hold one, both, or neither — they are not dependent on each other, though NHA has been working to link them under one digital ecosystem.

ABHA vs Ayushman Card: Side-by-Side

	ABHA Card	Ayushman Card
What it is	A 14-digit digital health ID number	Proof of PM-JAY insurance enrolment
Run by	Ayushman Bharat Digital Mission (ABDM)	PM-JAY, under the National Health Authority
Who can get one	Any resident, voluntarily, no eligibility check	Only households meeting SECC/state eligibility criteria
What it does	Links and stores your health records digitally; can be shared with doctors	Gets you cashless treatment up to ₹5 lakh/year at empanelled hospitals
Cost to you	Free	Free

What ABHA Actually Does

An ABHA number and its linked ABHA address (a username like yourname@abdm) exist so your health records — prescriptions, lab reports, discharge summaries — can be stored digitally and shared with a doctor or hospital when you consent, instead of carrying paper files between visits. Creating one is entirely optional; it does not enroll you in any insurance scheme and does not, by itself, cover the cost of treatment anywhere.

What the Ayushman Card Actually Does

The Ayushman card is the document (physical or digital) that proves you’re a PM-JAY beneficiary. It’s what you present at an empanelled hospital’s PM-JAY desk to get treatment covered directly by the scheme, without paying out of pocket for eligible packages. Unlike ABHA, not everyone can get one — eligibility is based on the SECC 2011 database or your state’s specific criteria, which our Ayushman card eligibility guide covers in detail.

Do You Need Both?

They’re not a package deal, but NHA’s broader digital-health strategy is moving toward linking the two — for example, some hospital admission workflows now ask PM-JAY patients to also create or provide an ABHA number so their treatment records feed into the national digital health ecosystem. Practically speaking: if you want cashless hospital coverage, you need the Ayushman card and must meet PM-JAY’s eligibility rules. If you simply want a portable digital health record, ABHA is worth creating regardless of your PM-JAY status — it’s free and takes only a few minutes with an Aadhaar or mobile number.

Frequently Asked Questions

Is an ABHA number the same as an Ayushman card?

No. ABHA is a voluntary digital health ID number; the Ayushman card is proof of enrolment in the PM-JAY health insurance scheme. They serve different purposes.

Does creating an ABHA number make me eligible for PM-JAY?

No. ABHA creation is open to everyone and has no eligibility check, but it does not enroll you in PM-JAY or make you eligible for its coverage.

Is ABHA mandatory to get treatment under PM-JAY?

Not universally, though some hospitals now ask PM-JAY patients to also create an ABHA number as part of India’s move toward linked digital health records.

Is there any cost to create either card?

No, both the ABHA number and the Ayushman card are free for eligible citizens.