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Mahila Samman Savings Certificate 2024

Category: Hindi » by: Jaswant » Update: 2024-03-30

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Mahila Samman Savings Certificate क्या है?

Mahila Samman Saving Certificate is a savings bank certificate. Mahila Samman Bachat Patra Yojana 2024 is a type of small savings scheme launched by the Government of India. The scheme was announced by the Finance Minister in the Budget 2023-24 on the occasion of Amrit Mahotsav of Independence. Under which any Indian woman including girls can open an account and a minimum of Rs 1000 to a maximum of Rs 2 lakh can be deposited in this account. This 2 year tenure plan has been launched with flexible investment and partial withdrawal option offering an attractive and fixed interest of 7.5% compounded quarterly with a maximum investment limit of ₹2 lakh. The duration of this scheme is only 2 years and it will be valid till 31 March 2025.

Benefits of Mahila Samman Savings Certificate Scheme

  • Women can get a huge interest by investing their small savings
  • Any woman can invest up to ₹ 200,000 for 2 years, either in small installments or ₹ 200,000 can be deposited all at once.
  • After completion of 2 years, the interest amount will be received along with the principal amount. In this, the interest amount has been kept higher than other schemes i.e. 7.5%.
  • To open an account under the scheme, it is mandatory to have at least Rs 1000.
  • A guardian will be required to open an account for a minor girl.
  • After one year, a maximum of 40 percent can be withdrawn from the deposited amount.

In which banks Mahila Samman Saving Certificate is available?

The sale of Mahila Samman Saving Certificate started from April 1, 2023 in all the post offices of the country. After issuing the notification by the Finance Ministry, 4 big government banks have started the facility of Mahila Samman Saving Certificate. Which are given below :-

  • Bank of Baroda
  • canara bank
  • Bank of India
  • Punjab National Bank
  • These 4 banks are also providing Mahila Samman Savings Certificate.

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