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+{{htmlmetatags>
+metatag-keywords=(mahila samman savings, mssc, women savings scheme, mssc closed)
+metatag-description=(Tax-free savings for women — 7.5% interest, 2-year tenure, max Rs 2 lakh deposit. CLOSED for new from March 2025; existing accounts mature.)
+}}
+====== Mahila Samman Savings Certificate (MSSC) ======
+{{:social:auto:yojana-mahila-samman-savings.png?direct&1200 |Mahila Samman Savings Certificate (MSSC) — RTI Wiki}}
+<WRAP info>
+**7.5% interest (q-revised) on max Rs 2 lakh deposit; 2-year tenure. Note: NEW enrolment closed March 2025.**
+**Launched:** 2023  ·  **Issued by:** Ministry of Finance / India Post
+</WRAP>
+===== Who is eligible =====
+  * 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
+===== What you get =====
+.5% annual interest (FY 2024-25). 2-year tenure. Maximum Rs 2 lakh deposit. Tax-free. Quarterly interest credit. Single deposit (no further additions).
+===== How to apply (step-by-step) =====
+  - **Visit India Post or authorized bank** — Submit Form 1 + Aadhaar + Rs 2 lakh deposit (or less).
+  - **Account opens immediately** — Receive certificate / pass book.
+  - **Maturity at 2 years** — Principal + accumulated interest credited to account.
+  - **Premature closure allowed** — After 6 months at lower rate (7.25%).
+===== Documents needed =====
+  * Aadhaar
+  * Photograph
+  * Address proof
+  * Initial deposit (max Rs 2L)
+===== Timeline =====
+years from deposit. Premature closure after 6 months.
+===== Portal + helpline =====
+  * **Official portal:** [[https://indiapost.gov.in|indiapost.gov.in]]
+  * **Helpline:** India Post: 1924
+===== Common issues =====
+  * 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.
+===== Benefit delayed or rejected? File an RTI =====
+Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
+<code>
+. Status of my application no. _____ dated _____ as on date.
+. Name + designation of dealing officer assigned to my file.
+. Reasons for delay beyond the statutory timeline.
+. Copy of any noting / movement of my file in the past 30 days.
+. Likely date of disbursement / decision.
+</code>
+**Auto-fill the PIO + your case:** [[:citizen-rti-playbook|Open the AI RTI Drafter →]]
+**More schemes for you:** [[:audience:women|All women schemes]]
+===== Frequently asked questions =====
+==== Is MSSC still open for new enrolment? ====
+No — closed for new from March 2025. Existing accounts continue to maturity.
+==== What are alternatives now? ====
+Sukanya Samriddhi (8.2%) for girl child. PPF (7.1%) for own. Senior Citizen Savings (8.2%) if 60+.
+==== Premature closure penalty? ====
+Allowed after 6 months at 7.25% (vs 7.5% if held to maturity).
+==== Renewable? ====
+No — single 2-year tenure. Reinvest into PPF or other instrument on maturity.
+===== Summary + next step =====
+<WRAP center round tip 90%>
+**Bottom line:** 7.5% interest (q-revised) on max Rs 2 lakh deposit; 2-year tenure. Note: NEW enrolment closed March 2025. Apply at **indiapost.gov.in**. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
+  * **Apply now:** [[https://indiapost.gov.in|indiapost.gov.in]]
+  * **If delayed — RTI Drafter:** [[:citizen-rti-playbook|File RTI in 5 minutes]]
+  * **Browse all 150 yojanas:** [[:yojana:start|Sarkari Yojana index]]
+</WRAP>
+===== Related =====
+  * [[:yojana:start|All 150 Sarkari Yojanas]]
+  * [[:check-status:start|25 status-check guides]]
+  * [[:documents:start|30 documents-required checklists]]
+  * [[:how-to-apply:start|25 how-to-apply guides]]
+  * [[:rejection-recovery:start|16 rejection-recovery guides]]
+  * [[:audience:start|10 audience-hub schemes]]
+  * [[:helplines:start|32 helplines + grievance routes]]
+  * [[:citizen-rti-playbook|Full RTI Playbook]]
+===== Sources =====
+  * Official portal: indiapost.gov.in
+  * Issued by: Ministry of Finance / India Post
+  * Launched: 2023
+  * Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html|%%AwaazRTI%%]] (composite, identifying details removed)
+//Last reviewed: 26 April 2026.//
+{{tag>yojana sarkari-yojana mahila-samman-savings}}