 Introduction: Maternal and Child Health issue is national as well as global health issue. In India, Maternal Mortality Ratio (MMR) is nearly 130/100,000 in 2014-16 which can be reduced by universalizing delivery and sick infant care in the institutional fold. To attain this goal, Indian Government has initiated schemes like Janani Suraksha Yojona (JSY) and the Janani-Sishu Suraksha Karyakram (JSSK). Dr. Muthulakshmi Reddy Maternity Benefit Scheme is an initiative of Tamil Nadu Government in which financial assistance of Rs. 18,000 is given in 3 installments.  Aim and Objective: To assess the knowledge and utilization of Reproductive and Child Health care schemes among mothers.  Methodology: A Cross sectional study was conducted for a duration of 8 weeks among antenatal women and mothers having under five child in the Thirumazhisai, Semi-Urban area of Chennai. A total of 150 women were included from 15 wards. The information obtained about knowledge and utilization of JSY,JSSK,DR.Muthulakshmi Reddy Maternity Benefit Scheme was recorded, exported to Microsoft spreadsheet and analysed with the help of SPSS Software. Descriptive statistics and quantitative data is presented as Mean (standard deviation) and qualitative data is presented as proportion, tables, and bar diagrams.  Result: The mean age of the population is 26.04667(0.28713 ). Around 54% of the respondents had schooling up to high school level, 7.3% respondents are illiterate and 20.67% respondents are graduate. Majority of the respondents [144(96%)] were found to be housewife. Out of 150 women, 83(55.3%) were aware about JSY, 119(79.3%) were aware about JSSK and 143(95.3%) were about Dr.Muthulakshmi Reddy maternity benefit scheme. Only 14 (60.8%) of the eligible women utilized JSY. Around 72.6% (109) of women utilized JSSK and 76% (114) utilized Dr. Muthulakshmi Reddy beneficiary scheme.  Conclusion: While comprehensively analysing the issue of non- exploitation of various services and schemes among pregnant women, we find that the literacy , socio- economic status,lack of information and adequate knowledge regarding the initiatives to be the main attributes. The important domain that needs to be intervened right now are creating awareness which can be done by improving IEC activities (Information, Education and Communication) through models like print, electronic, traditional, personal communication and proper service provision, regular sufficient fund , timely availability of services, active monitoring- supervision.