Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
EligibilityFemale account holder of any age, or a male/
The official page states female/minor-girl eligibility and mandatory documents.
- Source
- Mahila Samman Savings Certificate (MSSC), 2023
- Page / section
- Eligibility / Documents
- Accessed
- 23 Aug 2026
- Confidence
- high
Deposit amount₹1,000 in multiples of ₹100; cumulative maximum ₹2 lakh per account holder. Additional deposits require a minimum three-month gap.View source
The official page publishes the amount band, cumulative cap and staged-deposit interval.
- Source
- Mahila Samman Savings Certificate (MSSC), 2023
- Page / section
- Features / Introduction
- Accessed
- 23 Aug 2026
- Confidence
- high
Interest rate7.5% p.a., compounded quarterly; subject to Government of India guidelines.View source
The official benefit section publishes the 7.5% rate and quarterly compounding.
- Source
- Mahila Samman Savings Certificate (MSSC), 2023
- Page / section
- Benefits —
- Accessed
- 23 Aug 2026
- Confidence
- high
Tenure / availabilityTwo-year term deposit. The scheme was open only until 31 March 2025; no new deposits are accepted after that date, though existing certificates follow their terms.Effective 31 Mar 2025View source
The official page expressly says the scheme is valid only until 31 March 2025 and accepts no new deposits afterward.
- Source
- Mahila Samman Savings Certificate (MSSC), 2023
- Page / section
- Features / Terms & Conditions
- Accessed
- 23 Aug 2026
- Confidence
- high
WithdrawalUp to 40% partial withdrawal once after one year. Premature closure is permitted after six months at an interest rate 2 percentage points below the scheme rate.View source
The official feature section publishes the 40% withdrawal and six-month closure terms.
- Source
- Mahila Samman Savings Certificate (MSSC), 2023
- Page / section
- Features — Withdrawal / Closure
- Accessed
- 23 Aug 2026
- Confidence
- high
Account operationA single account holder may deposit once or in phases subject to the three-month gap; KYC requires identity and address proof plus Aadhaar and PAN/
The official page describes single-holder/phased deposits and the document list.
- Source
- Mahila Samman Savings Certificate (MSSC), 2023
- Page / section
- Introduction / Documents
- Accessed
- 23 Aug 2026
- Confidence
- high
Senior-citizen rateNot applicable — the reviewed scheme page does not publish a separate senior-citizen rate or age-based rate uplift for this product.View source
The reviewed official scheme pages describe the applicable government or product rate but do not provide a separate senior-citizen rate column.
- Source
- Bank of Baroda government deposit scheme catalogue and linked scheme pages
- Page / section
- Rate / eligibility sections
- Accessed
- 29 Aug 2026
- Confidence
- high
Eligibility
- Female account holder of any age, or a male/
female guardian opening on behalf of a minor girl. Aadhaar and / Form 60 are mandatory under the published rules.
Passing a listed condition does not mean the bank will approve an application.
Related official documents
Bank of Baroda government schemes and deposit product pagesofficial-product-pages · current · accessed 29 Aug 2026
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