The existing state of health infrastructure and services, which is often poor in rural areas of the country is further faced with challenges due to the COVID-19 pandemic. The current study attempts to provide some key insights on the impact of COVID-19 on utilisation of maternal healthcare services during the pandemic. The study used the mixed-method data, gathered through a cross-sectional study conducted in 2020 in South 24 Parganas district of West Bengal. Currently, married women ( n = 318) who were pregnant or had delivered a child were selected for the interview through a multi-stage sampling technique. Frequency distribution, bi-variate cross tabulation and logistic regression were performed. Of the eligible women during the pandemic, 86% have received regular antenatal care, 73% have delivered in a health facility even though the quality of service was poor; and only 37.6% received postnatal care within 42 days of delivery. ‘Risk perception of women towards being infected with COVID-19’ were found to be the most significant determinants of maternal healthcare utilisation. COVID-19 pandemic has significantly affected the quality and utilisation of maternal health services in rural West Bengal. The results suggest the need for better preparedness of healthcare facilities in terms of human resources and physical infrastructure; as well as educating the community through awareness (counter rumours) and through risk and behaviour change communication regarding COVID-19 protocols and community engagement to effectively manage utilisation of Maternal healthcare services during pandemic.