Mahila Samman Savings Certificate (MSSC) — 7.5% interest savings for women (2026)

• Indian woman of any age
• Up to Rs 2 lakh deposit per account
• One account per woman; max one MSSC + other small savings
• Tenure 2 years from deposit date

7.5% annual interest (FY 2024-25). 2-year tenure. Maximum Rs 2 lakh deposit. Tax-free. Quarterly interest credit. Single deposit (no further additions).

1. Visit India Post or authorized bank — Submit Form 1 + Aadhaar + Rs 2 lakh deposit (or less).
2. Account opens immediately — Receive certificate / pass book.
3. Maturity at 2 years — Principal + accumulated interest credited to account.
4. Premature closure allowed — After 6 months at lower rate (7.25%).

• Aadhaar
• Photograph
• Address proof
• Initial deposit (max Rs 2L)

2 years from deposit. Premature closure after 6 months.

• Official portal: indiapost.gov.in
• Helpline: India Post: 1924

• MSSC closed for new enrolment March 2025 — existing accounts run to maturity.
• Multiple deposits not allowed — only one lump-sum at opening.
• Maximum Rs 2L per account — separate accounts per family member if needed.
• Premature closure — gives lower rate (7.25%); only after 6 months.

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

1. Status of my application no. _____ dated _____ as on date.
2. Name + designation of dealing officer assigned to my file.
3. Reasons for delay beyond the statutory timeline.
4. Copy of any noting / movement of my file in the past 30 days.
5. Likely date of disbursement / decision.

Auto-fill the PIO + your case: Open the AI RTI Drafter →

More schemes for you: All women schemes

No — closed for new from March 2025. Existing accounts continue to maturity.

Sukanya Samriddhi (8.2%) for girl child. PPF (7.1%) for own. Senior Citizen Savings (8.2%) if 60+.

Allowed after 6 months at 7.25% (vs 7.5% if held to maturity).

No — single 2-year tenure. Reinvest into PPF or other instrument on maturity.

• All 150 Sarkari Yojanas
• 25 status-check guides
• 30 documents-required checklists
• 25 how-to-apply guides
• 16 rejection-recovery guides
• 10 audience-hub schemes
• 32 helplines + grievance routes
• Full RTI Playbook

• Official portal: indiapost.gov.in
• Issued by: Ministry of Finance / India Post
• Launched: 2023
• Citizen feedback via %%AwaazRTI%% (composite, identifying details removed)

Last reviewed: 26 April 2026.