Mahila Samman Savings Certificate calculator
Enter your deposit. See the maturity value and the interest each year.
- 7.5%, quarterly
- Partial withdrawal shown
- Free, no sign-up
Report the interest each year
Interest on the certificate is taxable as it accrues, even though it's paid at maturity.
Questions people often ask
Is the interest tax-free?
No, and the deposit doesn't count for 80C.
Can I still open one?
No. New deposits closed on 31 March 2025.
How it grows
Two years, eight quarters.
- 7.5% a year, credited quarterly.
- Interest earns interest each quarter.
- Paid out after 2 years.
Last reviewed 9 October 2026. The rules in this calculator come from these official sources.
- Small savings schemes India Post
Common questions
What does Mahila Samman pay?
7.5% a year, compounded quarterly, for 2 years.
What does ₹2 lakh become?
₹2,32,044 at maturity.
Can I still open a certificate?
No. The scheme accepted deposits only until 31 March 2025.
Can I withdraw early?
Up to 40% of the balance after one year. Full premature closure is allowed only in specific cases.
Is the interest taxable?
Yes, at your slab rate, each year as it accrues.
