Central GovtWomen Only2 Year Lock-inQ4 FY2025-26
Mahila Samman Savings Certificate Calculator 2026
For women and girls only: up to Rs. 2 lakh for 2 years at a rate higher than an FD. Partial withdrawal after 1 year.
⚠️ These rates are for Q4 FY2025-26 (valid till 2026-03-31). For the latest rates see India Post or the Ministry of Finance.
MSSC: a special scheme for women
Launched in Budget 2023, only for women and girls. Higher rate than a bank FD, 2-year lock-in, and 40% partial withdrawal allowed after 1 year.
A guardian can open an account in the name of a minor girl.
Key rules
- Only for women and girls
- Maximum Rs. 2 lakh
- 2-year maturity
- 40% withdrawal allowed after 1 year
- Limited-period scheme; confirm current availability
- No tax benefit
Frequently asked questions
Until when is MSSC available?
It is a limited-period scheme and any extension is decided by the government. Confirm the latest status at your Post Office.
Can it be opened for a minor girl?
Yes. A guardian can open an MSSC account in the name of a minor girl.
More calculators
Source: Ministry of Finance / India Post, rates Q4 FY2025-26, subject to quarterly revision. Results are indicative; confirm final figures with your bank or post office.