A 2-year savings scheme launched in 2023 for women and girls (any age), with a fixed interest rate of 7.5% p.a., quarterly compounded. Maximum deposit ₹2 lakh per holder. Partial withdrawal up to 40% allowed after 1 year.
Maturity value (2 years)
₹0
Total interest
₹0
Effective annual return
0%
40% withdrawal (after 1 yr)
₹0
Quarterly interest (avg)
₹0
⚠ Per-holder cap is ₹2 lakh.
Key features
Eligibility: Indian women and girls (any age, guardian for minors)
Tenure: 2 years from date of deposit
Min / max: ₹1,000 minimum / ₹2 lakh per holder (across accounts)
Compounding: Quarterly; interest credited at maturity
Withdrawal: 40% of balance after 1 year; full premature closure with reduced interest in defined cases
Tax: Interest taxable; no 80C benefit; no TDS by Post Office
Subscription window: Originally announced till 31 March 2025 — confirm at India Post before depositing