What To Know About The Rs. 12,000 Women’s Empowerment Scheme?

Pragya Pathak

Author

Updated: 16-04-2025 at 12:43 PM

With time, India is working on several measures to improve the lives of women and provide them with as much help and amenities as possible. The government is already running several government schemes that focus on providing women with various forms of help such as monetary, education-wise, or career-wise.

Recently, the government of India launched the Rs. 12,000 Women’s Empowerment Scheme to provide financial independence and empowerment, especially to female citizens. The Sarkari Yojana has been introduced to provide a way for women to improve their quality of life.

Read the article to learn about the details of the government scheme ranging from its meaning and objectives to eligibility and application process.

Name of the scheme	Rs. 12,000 Women’s Empowerment Scheme
Introduced by	Government of India
Objective	To provide a way for women to achieve financial independence and empowerment
Target Group	Women
Amount of Investment	Minimum Rs. 1000 and maximum Rs. 2,00,000
Rate of Interest	7.5% p.a.
Application mode	Online/Offline

What Is The Rs. 12,000 Women’s Empowerment Scheme?

The government of India launched the Rs. 12,000 Women’s Empowerment Scheme also known as the Mahila Samman Savings Certificate (MSSC), especially for the female citizens of India. It is an innovative way for women to help them in achieving financial independence and empowerment. Women are encouraged to invest in the savings scheme and reap the benefits of future returns. The rate of interest is 7.5% per annum with several options for withdrawals.

Objectives

The savings scheme comprises various objectives aimed toward monetary growth. Some of the key objectives it offers are mentioned below in brief:

The Rs. 12,000 Women’s Empowerment Scheme encourages and promotes the habit of saving in women.
The scheme is for minor girls as well who can open their accounts with the help of their guardians.
Several withdrawal options like premature closing of account and partial withdrawals make the scheme attractive for women.

Benefits

Several benefits of the Mahila Samman Savings Certificate would help women improve the quality of their lives. Some of its key benefits are:

The rate of interest of the savings scheme is set at 7.5% p.a. which is much greater than other interest rates offered on other savings or deposit schemes.
Women are given the option of either making partial withdrawals after a minimum period of 6 months or premature withdrawals in special circumstances like emergencies of some kind.
MSSC is a flexible savings scheme that encourages women to save as much as possible for their future.

Eligibility Criteria Of Rs. 12,000 Women’s Empowerment Scheme

Interested individuals first need to ensure whether they fit into the eligibility criteria of MSSC or not. The eligibility criteria are as follows:

The applicant should be a woman.
Minor girls can also apply for the scheme.
The minimum amount of deposit is Rs. 1000 and the maximum amount of deposit is Rs. 2,00,000.

Application Process Of Rs. 12,000 Women’s Empowerment Scheme

Interested and eligible applicants can apply for the Mahila Samman Savings Certificate through both, online and offline platforms as per their convenience. Both the procedures are laid down below for one’s better understanding and reference.

Offline Procedure

Step 1: Please visit your bank branch or the nearest post office.

Step 2: Request an application form for MSSC.

Step 3: Fill in your details.

Step 4: Attach the supporting documents.

Step 5: Deposit the investment amount after which you’ll be given your account details and a passbook.

Online Procedure

Step 1: Please visit the official website of your bank or the Indian Post.

Step 2: Register with your mobile number and email ID.

Step 3: Fill in your details.

Step 4: Upload the supporting documents.

Step 5: Deposit the investment amount after which you’ll receive your account details.

Required Documents Of Rs. 12,000 Women’s Empowerment Scheme

Applicants are required to submit some supporting documents while applying for the savings scheme. The list of the documents is as follows:

Aadhaar card
PAN card
Proof of address

Conclusion

The Rs. 12,000 Women’s Empowerment Scheme aka the Mahila Samman Savings Certificate would prove to be one of the greatest savings schemes for women in India. It would not only develop the habit of saving in women but would also help them gain exceptional monetary returns.

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