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Government-backed schemes and women-focused bank products offer a reliable and low-risk way to grow savings steadily.
Start early, invest often—even small amounts grow big over time. (Representative Image)
In today’s world, financial independence is crucial for women, not just to support their families, but to build secure futures. Whether working professionals, homemakers, or entrepreneurs, women often manage household budgets efficiently, making them natural savers. However, saving alone isn’t enough; investing is key to growing wealth, beating inflation, and meeting life goals like education, home-buying or retirement.
Women-specific financial schemes offer both safety and good returns, making them ideal starting points. With tailored benefits, tax perks, and low risk, these plans encourage women to take charge of their finances and work toward long-term financial security with confidence.
Below Are the Top 6 High-Return, Low-Risk Investment Options for Women
Mahila Samman Savings Certificate (MSSC)
Offered exclusively to women and girls, this scheme provides 7.5 per cent interest per annum (compounded quarterly). With a maturity period of 2 years and a maximum investment cap of Rs 2 lakh, it’s a great short-term, low-risk option with guaranteed returns.
Sukanya Samriddhi Yojana (SSY)
Ideal for mothers saving for their daughters. It offers an attractive 8.2 per cent annual return (as of June 2025), which is tax-free. You can invest till the girl turns 15, and the account matures at 21. Low risk and backed by the government, it ensures long-term savings.
Public Provident Fund (PPF)
A safe and long-term investment, PPF offers 7.1 per cent interest (compounded yearly). It has a 15-year lock-in but comes with tax-free returns and flexible deposit options. It’s perfect for women planning for retirement or future goals.
Fixed Deposits (FDs) for Women
Several banks, like the State Bank of India (SBI) and HDFC, offer special FDs for women with slightly higher interest rates. While returns range between 6.5–7.5 per cent, these are low-risk and perfect for conservative investors.
Recurring Deposits (RDs)
For those who want to invest small amounts monthly, RDs are great. Banks offer 6–7 per cent interest and flexible terms from 6 months to 10 years. It’s a disciplined, low-risk saving option.
Women-Centric Mutual Funds
Some Asset Management Companies (AMCs) offer mutual funds curated for women with low- to moderate-risk profiles. These allow women to invest in equity or debt depending on their goals. Returns are market-linked but often beat traditional savings.
Choosing the right investment plan depends on a woman’s financial goals, risk appetite, and time horizon.
A team of writers and reporters decodes vast terms of personal finance and making money matters simpler for you. From latest initial public offerings (IPOs) in the market to best investment options, we cover al…Read More
A team of writers and reporters decodes vast terms of personal finance and making money matters simpler for you. From latest initial public offerings (IPOs) in the market to best investment options, we cover al… Read More
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Delhi, India, India
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