Introduction to the Women’s Savings Certificate

The postal department frequently launches excellent schemes that offer secure and attractive returns for the public. One such initiative is the Women’s Savings Certificate (MSSC), specifically designed for women. Currently, this scheme offers an impressive interest rate of 7.5%, significantly higher than the fixed deposit rates provided by other banks.

Profitable Returns on Investment

If a woman invests ₹2,00,000 for a duration of two years under this scheme, she will receive ₹2,31,125 at the end of the term. This means that the interest earned on the deposited amount will be ₹31,125, resulting in a substantial net profit.

Eligibility for Investment

This scheme is open to women, and girls aged 10 years and above can also participate.

Key Features of the Scheme

• The returns from this scheme surpass those of bank fixed deposits.


• It is a government-backed scheme, ensuring the safety of investments.


• Investors can avail tax benefits under Section 80C.


• It offers good returns in a relatively short period.

How to Invest in the Scheme

Investing in this scheme is straightforward. You need to visit your nearest post office to open an account under this scheme. After that, submit the necessary documents and deposit the investment amount to receive your certificate.

Visual Representation