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Suitable Investment Schemes for Women in India

We have witnessed a huge change in the society in the last couple of decades. Today, the women’s are playing an active part in the development of the country in all aspects. They are undertaking equal responsibilities at home and workplace and contributing more than ever before towards the financial expenses of their family.

In that context, future planning has become more crucial for women than earlier, and thus, investment has emerged as a necessity even for women too. Therefore, here are a few investment alternatives women investors can leverage from.

Sukanya Samriddhi Account

Sukanya Samriddhi Account is a part of government's Beti Bachao aur Beti Padhao movement. The investment scheme which is specifically for women allows the investors to annualise a return of 9.2%. The interest rate offered under this scheme is subject to revision and might increase in coming years. This is one good scheme for women investor, and it is available with every bank in India. 

Fixed Deposits

The fixed deposit has been the number one choice for all potential investors for a long time. Be it a man or a woman, a fixed deposit for women can be the safest investment alternative with moderate returns for both of them. Therefore, depending on the need, every woman can choose from the different schemes available with flexible payout plans. 



Note: To yield the highest returns, women can invest in NBFCs which offer a higher interest rate on fixed deposit. The interest rate can be as high as 8.10 percent.

Government Investment Schemes


The government of India has launched a couple of investment schemes which do not gender specific, but can be beneficial for women investors, too.

Some of them are listed below:

  • Atal Pension Yojana
  • Pradhan Mantri Jan Dhan Yojana
  • National Pension Scheme
  • Public Provident Fund (PPF)

Bottom Line: There are few more investment schemes that can be an ideal alternative for women investors, but to know that the investor has to explore the investment market intensively and extensively.    


Have any doubt about Bajaj Finance FD Schemes? Read Bajaj Finance Reviews or visit Bajaj Finance Contact Details to talk to our Customer Care Representative directly.
Also check Bajaj Finance FAQ for quick solution for any question.

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