Best investment schemes for women in India: Today we will tell you about 4 such government schemes, which have been started to make women prosperous and financially strong.
Best Government Schemes for Women: The central government and state governments have started many great schemes to empower women and make them financially independent. These government schemes provide financial security to women at various levels. Today we will tell you about 4 such government schemes, which have been started to make women prosperous and financially strong.
Golden opportunity for women to earn money
Under these government schemes, women (Saving Scheme for Women) get different benefits. These include Majhi Ladki Bahin to Subhadra Yojana. Let us know what benefits are available in which scheme and what rules and conditions have to be followed to avail it?
Majhi Ladki Bahin Yojana
The Maharashtra government launched the Majhi Ladki Bahin Yojana for female residents of the state in August. The last date to apply for this scheme has been extended to November 2024.
Eligibility conditions for this scheme
- Female residents of Maharashtra are eligible to apply online for this scheme.
- The female applicant must be a permanent resident of Maharashtra state.
- The age of the female applicant should be between 21 and 65 years.
- All married, unmarried, abandoned, divorced and destitute women are eligible for this scheme.
- The applicant must have an account in any bank in his/her name.
- The family income of the applicant should not exceed Rs 2.5 lakh.
How to apply for Majhi Ladki Bahin Yojana
Women who cannot apply online can contact Anganwadi Sevak/Supervisor/Chief Sevak/Setu Suvidha Kendra/Gram Sevak/Group Resource Person (CRP)/Asha Sevak/Ward Officer/CMM (City Mission Manager)/MNPA Balwadi Sevak/Help Room Pramukh. Online/offline application facility is available for this scheme at Government Service Center. No fee is required for this application.
Nari Shakti Doot App for Online Registration
The government has launched a mobile application for online registration in this scheme. This application has been named Nari Shakti Doot App (Nari Shakti Doot App For Online Registration).
Subhadra Yojana
The Odisha government has issued guidelines for Subhadra Yojana. The state cabinet has approved the scheme and it will be launched soon. According to the guidelines of this scheme, every beneficiary woman will be given Rs 10,000 annually in two equal installments under this scheme. After five years, every beneficiary woman will be given Rs 50,000. This amount will be deposited directly into the bank account linked to the Aadhaar of the beneficiaries, and they will also be given a Subhadra debit card.
Eligibility conditions for this scheme
- Any woman between the age of 21 and 60 years can avail the benefits of this scheme.
- If there are two or three eligible women in a family, then all will get the benefit of this scheme.
- The woman applying should be a native of Odisha, her age should be 21 years or more, and should be less than 60 years.
- Women from rich families, government officials and women filing income tax will not be eligible for this scheme.
- According to the rules, women who receive Rs 1,500 or more every month or Rs 18,000 or more every year from any other government scheme will not be eligible for the Subhadra scheme.
Mahila Samman Savings Certificate
Mahila Samman Savings Certificate is a small savings scheme launched by the Central Government for women. This scheme was launched in the year 2023. Its purpose is to develop the habit of saving among the women of India. Any woman of the country can invest under this scheme. This scheme is for only 2 years, under which annual interest is given at the rate of 7.5 percent. A maximum of Rs 2 lakh can be invested under this scheme.
Eligibility conditions for the scheme
- Women of any age living in India are eligible for this scheme.
- For a minor girl, her parents or her legal guardian can open an account for this scheme.
Sukanya Samriddhi Yojana
Sukanya Samriddhi Yojana has been started to improve the future of girls. Under this scheme, 8.2% annual interest rate is available. Not only this, you can also avail tax exemption on it under section 80C of Income Tax.
Eligibility conditions for the scheme
- An account can be opened for a girl child below the age of 10 years by her parents or her legal guardian.
- As per the rules of the scheme, only one account can be opened in the name of a girl child.
- The parents or legal guardian of a girl child are allowed to open an account for only two girls.
- Account holders can invest a minimum of Rs 250 and a maximum of Rs 1,50,000 in a financial year.
- If the minimum amount of Rs 250 is not deposited in the account in a financial year, a penalty of Rs 50 will be imposed on the account holder.
- Under this scheme, deposits can be made in an account for 14 years from the date of opening, but maturity will be available only after the daughter turns 21 years old.
