Investment₹0Principal invested
Mahila Samman Calculator — Savings Certificate Maturity
Calculate maturity value for Mahila Samman Savings Certificate
Browse more in Post Office schemes
Mahila Samman Calculator
Rates: Q1 FY 2025-26·Updated 1 Apr 2025·Verify on India Post
Official indicative rate: 7.5% p.a.
%
Pre-filled with the notified India Post rate. Adjust to model a different rate.
Max ₹2 lakh
₹
Two LakhTenure
2 yearsLocked
Mahila Samman Savings Certificate has a fixed 2-year tenure.
Fixed tenures follow India Post scheme rules and cannot be changed in this calculator. Verify onindiapost.gov.in.
Adjust the inputs above to see your results here.
Interest earned₹0Returns generated
Estimated
Maturity value₹0Estimated final valueInvestment Summary
Updated instantly as you change values.
Investment Breakdown
Investment
₹00%
Interest earned
₹00%
Key Insights
- Government-backed India Post small savings scheme
- Verify latest rates on indiapost.gov.in
Year-wise breakdown
| Year | Principal (A) | Interest (B) | Total (A + B) | Balance |
|---|
About this calculator
In-depth guide for the Mahila Samman calculator — formulas, examples, and official sources for India.
Introduction
Mahila Samman was a limited-period post office scheme for women and girls offering attractive interest over 2 years. New applications may be closed — always verify current availability at India Post before planning.
What this calculator does
Calculate maturity for Mahila Samman Savings Certificate (2-year scheme). Scheme targets women/girls with maximum deposit of ₹2 lakh per account. Interest compounds quarterly over the 2-year lock-in.
Who should use this calculator
India Post account holders and savers comparing small savings schemes. Use this tool if you want a clear estimate before speaking with a bank, post office branch, or tax advisor.
- ₹2,00,000 for 2 years at 7.5% → maturity ≈ ₹2,31,000
Formula used
Formula
M = P × (1 + r/400)^(4 × 2)Variable explanation
- Input: Deposit amount (₹)
- Up to ₹2 lakh per account.
- Input: Interest rate (% p.a.)
- Notified rate if scheme open.
- Output: Maturity value (₹)
- After 2 years.
Example calculation
- Step 1
Enter deposit up to ₹2 lakh.
- Step 2
Confirm rate and availability at branch.
- Final answer
Read 2-year maturity.
How to use
Locate the calculator form at the top of this page.
Enter your values using the units shown (₹, %, years, or as labelled).
Review the instant result, charts, or schedules in the output panel.
Adjust inputs to compare scenarios before making a financial decision.
Benefits
Free to use with instant browser-based results — no signup.
Built for Indian rates, tax years, and units.
Includes worked examples and FAQs on every page.
Limitations
2-year fixed tenure
Quarterly compounding
Scheme closure stops new applications; existing accounts run to maturity.
Tips
Verify scheme is still open before visiting post office.
Compare with SSY for long-term girl child goals.
Common mistakes
Assuming scheme is permanently available — it was time-limited.
Frequently asked questions
Are these the official India Post rates?
India Post revises small savings rates quarterly. Verify before investing. This calculator is for planning only.
Is Mahila Samman still open?
The scheme was time-limited. Verify current availability at your post office before planning.
Who can invest in Mahila Samman?
Women and girls as per scheme notification. Maximum ₹2 lakh per account.
What is the tenure?
2 years with quarterly compounding.
Is interest taxable?
Yes. Interest is taxable as per your income slab unless notified otherwise.
Mahila Samman vs SSY?
SSY is a long-term girl child plan with 15-year deposits. Mahila Samman was a short 2-year certificate.
Related guides
Government references
- India Post — indiapost.gov.in (small savings rates)
- Mahila Samman Savings Certificate notification
- India Post — (small savings rates)indiapost.gov.in
Conclusion
Estimate returns if Mahila Samman is available — confirm status at your post office first.