For her
Money for Women in India
Women in India are saving more, earning more, and investing earlier than ever — yet most personal-finance content treats women as a footnote. This hub is the opposite. Specific schemes (Sukanya Samriddhi, Mahila Samman, NPS Vatsalya), women-only bank rates, gender-specific tax exemptions, and products built for the way Indian women actually manage money.
Why this hub
From higher FD rates and dedicated savings schemes to gender-specific tax planning and maternity health insurance — the Indian financial system has women-specific levers most articles never mention.
Where to start
- Priority 1
Sukanya Samriddhi
8.20% guaranteed for daughters under 10 — highest among small savings.
- Priority 2
Mahila Samman Savings
7.50% for 2 years — women-only deposit.
- Priority 3
Health insurance
Maternity cover, OPD, critical illness for women-specific risks.
- Priority 4
Term life insurance
Women get 5-15% lower premiums — claim it.
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Calculators for you
Regulatory + scheme rules
- SSY: govt-backed, 80C eligible, 21-year lock-in (closed at age 21 of girl child)
- Mahila Samman Savings: 2-year tenure, max ₹2L, 7.50% interest
- NPS Vatsalya for under-18 girls — eligible from 2024
Not sure where to start?