Mahila Samman Savings Certificate Calculator

Find the maturity value of a Mahila Samman Savings Certificate at the current official rate.

Official rate effective 01.07.2026 to 30.09.2026 — rates are set by India Post and revised quarterly. Figures are estimates for general planning only — see the explanation below for this scheme's specific assumptions.

Deposit: ₹2,00,000 (86%)Interest: ₹32,044 (14%)

if you invest ₹2,00,000 in a Mahila Samman Savings Certificate at the current 7.5% rate, it matures to about ₹2,32,044 in 2 years — ₹32,044 in interest, compounded quarterly. Compare this against a National Savings Certificate for a longer-term option

What is the Mahila Samman Savings Certificate?

A 2-year certificate scheme for women and girl account holders of any age, with quarterly compounding and one of the higher official rates for a short-term product. Deposits are capped at ₹2 lakh per account.

What this simplifies

The scheme allows a partial withdrawal of up to 40% of the balance after one year — this calculator shows the full, untouched 2-year maturity value. Also worth checking directly with India Post whether new accounts are still being opened under this scheme, since it was originally introduced with a limited account-opening window.

Frequently asked questions

Can a girl of any age open this account?

Yes — unlike Sukanya Samriddhi (which has an age-10 opening limit), Mahila Samman Savings Certificate can be opened for a woman or girl account holder of any age.

Common questions answered

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