Mahila Samman Savings Certificate 2026: Secure Investment for Women & Girls
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Quick answer
The Mahila Samman Savings Certificate scheme offers a safe investment option for women and girls, with a fixed interest rate of 7.5%. Women or guardians of minor girls can open accounts and deposit up to ₹2,00,000. Applications can be made at post offices or banks by submitting the required documents.
At a glance
| Main benefit | Attractive 7.5% interest with flexible withdrawal |
| Ministry / department | Ministry Of Finance |
| Level | Central Government |
| For | Women / girls |
| Application mode | Online & offline |
About the scheme
The Mahila Samman Savings Certificate scheme is a government initiative to provide financial security to women and girls in India. It allows them to invest in a secure savings scheme with attractive interest rates and flexible withdrawal options. The scheme is available for a limited period and aims to promote savings among women of all ages.
Benefits
- Provides a fixed interest rate of 7.5% compounded quarterly.
- Tenure of the scheme is two years.
- Interest is compounded quarterly and credited to the account.
Who can apply (eligibility)
- Must have Indian citizenship.
- Only for women and girl children.
- Any individual woman can apply.
- Minor accounts can be opened by guardians.
- No upper age limit; women of all ages can avail.
Documents required
- Passport size photograph
- Proof of age (Birth Certificate)
- Aadhaar Card
- PAN Card
- Pay-in-Slip or cheque
- Passport, Driving license, Voter’s ID, NREGA job card, or National Population Register letter for ID proof
How to apply
- 1Visit the nearest Post Office or designated bank.
- 2Download the application form from the official website or collect it from the branch.
- 3Fill out the form and attach all required documents.
- 4Complete the declaration and nomination details.
- 5Submit the form along with the initial deposit.
Frequently asked questions
What is the 'Mahila Samman Savings Certificate' scheme?+
It is a small savings scheme introduced by the Government of India for women with a maturity period of two years. A woman or guardian of a girl child can open this account and deposit a maximum amount of ₹2,00,000.
What is the interest rate of the Mahila Samman Savings Certificate?+
The interest rate is 7.5% per annum, compounded quarterly and paid at the time of closure.
Who can open an account under the scheme?+
A woman for herself or a guardian on behalf of a minor girl.
What is the benefit of the scheme?+
Women will get a 7.5% interest per annum for the one-time deposit made by them at the end of two years.
Where to open under the scheme?+
Through nearest Post Office Branch or Bank.
When is the investment period for this scheme?+
From April 1, 2023, to March 31, 2025.
What is the minimum and maximum investment allowed?+
Minimum ₹1000, maximum ₹2,00,000.
When does the maturity of the account occur?+
After two years from the date of opening.
Can the Mahila Samman Savings Certificate be closed prematurely?+
Yes, after six months without reason, or in cases of death or extreme compassionate grounds.
How does the withdrawal process work?+
Up to 40% of the eligible balance can be withdrawn after one year.
Under what circumstances can pre-mature closure occur?+
In cases of death or extreme compassionate grounds, with proper documentation.
NaukriZila is not a government website. Apply only on the official portal; never pay anyone to apply for a government scheme. Source: myScheme (Government of India)