Today, women are making their mark in every field of society. Whether it’s challenging military service or the responsible profession of a doctor, they are playing a leading role everywhere. Financial strength is also an important foundation for this development. Keeping this need in mind, the central and state governments have introduced several safe investment plans, allowing women to build a substantial fund for their future even with a small investment. These plans are safe because they are government-run, eliminating any risk.
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Sukanya Samriddhi Yojana
Launched in 2015, the Sukanya Samriddhi Yojana is part of the Beti Bachao Beti Padhao campaign. This scheme is considered an excellent savings and investment medium for girls. It offers an annual interest rate of up to 8.2 per cent, along with tax exemption under Section 80C of the Income Tax Act. The special feature of this scheme is that it can be started with just Rs 250. The deposited amount remains safe for 14 years and returns as a substantial sum upon maturity, which is very beneficial for a daughter’s education or marriage.
Subhadra Scheme Odisha
The Subhadra Scheme, run by the Odisha government, aims to empower women in the state economically. Women aged 21 to 60 can apply for this scheme. Eligible women receive financial assistance of ₹50,000 over a period of five years. This assistance provides financial relief to women for employment, small businesses, or household needs, enabling them to progress towards self-development.
Majhi Ladli Baheen Scheme
The Maharashtra government launched the Majhi Ladli Baheen Scheme in August 2023. Women aged 21 to 65 can participate in this scheme. Beneficiary women receive financial assistance of ₹1,500 per month, enabling them to easily meet their daily needs. This scheme is proving to be very useful for low-income women. Only women whose annual income does not exceed ₹2.5 lakh are eligible.
Mahila Samman Savings Certificate
The Mahila Samman Savings Certificate is a special investment option launched in 2023. Women can deposit a maximum of ₹2 lakh. This scheme offers an interest rate of 7.5 per cent, which is attractive for those seeking a safe investment. This scheme is especially suitable for women who seek fixed returns in the medium term and prefer to avoid risk.
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NSIGSE
The National Secondary Education Promotion Scheme (NSIGSE) provides educational assistance to girl students from the Scheduled Castes and the Scheduled Tribes. Under this scheme, girl students are provided with financial assistance of ₹3,000. This amount helps daughters from economically weaker families continue their schooling and opens up opportunities for pursuing higher education.
