The study aimed to evaluate coverage of the Janani Suraksha Yojana (JSY) program in South 24 Parganas district, India, which aims to promote institutional deliveries. A survey of 256 eligible mothers found that 50% had institutional deliveries but only 49% of those receiving antenatal benefits utilized institutional delivery. Knowledge of JSY and husband's education were associated with greater utilization. Stakeholder surveys found generally good knowledge of JSY but issues with late or inadequate funding hampering incentive payments. The study recommends improving antenatal care, ensuring adequate and timely funding, and boosting community awareness of JSY.