The government runs many schemes where you can earn good profits by investing. Two such schemes are the Mahila Samman Saving Certificate (MSSC) and the Post Office FD Scheme.
Investing money is important for everyone. If you are looking for a good government scheme, you have multiple options. Among them, MSSC and Post Office FD are popular choices. In the Mahila Samman Saving Certificate, you can invest up to Rs 2 lakh for 2 years. On the other hand, the Post Office FD Scheme allows you to invest any amount as per your preference.
Today, we will compare both schemes. We will explain which scheme offers more profit if you invest Rs 2 lakh for two years. Let’s take a look.
Mahila Samman Saving Certificate (MSSC)
The last date to invest in the Mahila Samman Saving Certificate is 31 March 2025. In this scheme, women get an annual return of 7.5%. If you invest Rs 2 lakh for 2 years, you will receive a total of Rs 2,32,044 at maturity. This means your profit will be Rs 32,044.
Post Office FD
If you invest Rs 2 lakh in a 2-year Post Office FD, you will earn a return of 7%. At maturity, you will get Rs 2,29,776, which means your interest will be Rs 29,776.
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Understanding Post Office Fixed Deposit (FD)
The National Savings Time Deposit Account (TD) is a government-backed scheme that ensures capital protection and offers fixed returns. This account comes with four tenure options: 1 year, 2 years, 3 years, and 5 years. To open an account, the minimum deposit required is Rs 1,000. Interest is calculated quarterly but is paid annually. The interest rates for the second quarter of FY 2024-25 (from 1 July 2024 to 30 September 2024) are specified by the Post Office (rates can be added based on official updates).
Key Features and Benefits of the MSSC Scheme
The Mahila Samman Savings Certificate is a secure investment option for women and girls. Accounts can be opened until 31 March 2025, with a two-year investment term. The scheme offers an attractive 7.5% annual interest rate, compounded quarterly.
Investors can start with a minimum deposit of Rs 1,000, in multiples of Rs 100, up to a maximum of Rs 2,00,000. The account matures after two years from the opening date. Additionally, partial withdrawals are allowed, with up to 40% of the balance available for withdrawal during the tenure.