Background: In India Maternal mortality and morbidity remains high even though national programs exist for improving maternal and child health in India. This could be related to several factors, an important one being non–utilization or delay in seeking care of maternal health–care services, especially amongst the rural population due to either lack of awareness or access to health–care services. A Community based cross sectional study was carried in the rural area of Pune district. Among the primi and non–primi mothers.131 mothers were included for interview by used random sample method. Results: 82% of women utilized antenatal care. It was noticed that out of 26 JSY mothers (beneficiaries) 50% has received a benefit of janani suraksha yojana they got payment through DBT & some of them did not received JSY benefit because of lack of documents, lack interest towards the scheme.This study shows unacceptably low utilization of antenatal care & postnatal care services