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International women's day is celebrated on March 8th. A key aspect of woman empowerment is financial independence. As we celebrate women's day, here's a look a some of the investment avenues and benefits available to women. 

Women's Day Special: Investment avenues for women 

International women's day is celebrated on March 8th. A key aspect of woman empowerment is financial independence. As we celebrate women's day, here's a look a some of the investment avenues and benefits available to women.&nbsp;

On the occasion of Women's Day, celebrated on the 8th of March, here are some of the government schemes and investment benefits aimed at enabling women gain financial freedom.&nbsp;
Mahila Samman Savings Certificate (MSSC): Budget 2023 announced a new small savings scheme exclusively for women. Here are the details of the scheme:
<ol>
<li>This is a one-time scheme available for 2 years beginning April 1st 2023 until March 2025.</li>
<li>Interest rate of 7.5% will be offered for this scheme.</li>
<li>The maximum investment limit for this scheme is Rs 2 lakh.</li>
<li>The scheme has a partial withdrawal facility as well.</li>
<li>Small savings schemes are usually eligible for tax exemption under section 80 C.&nbsp;</li>
</ol>
Sukanya Samriddhi Yojana: This scheme was launched with the aim of securing the future of a girl child. The account for this scheme can be opened in the name of a girl child by her parents or legal guardian at any time, before she turns 10. Here are the details of the scheme:
<ol>
<li>Only one account per girl child is allowed.</li>
<li>Currently, the interest rate is 7.6%, but this is subject to changes every 3 months.</li>
<li>Minimum investment of Rs 250 and a maximum investment of Rs 1,50,000 can be made per financial year.</li>
<li>Minimum deposit of Rs 250 needs to be made every year for 15 years.&nbsp;</li>
<li>The scheme matures after the completion of 21 years from the account opening.</li>
<li>Partial withdrawal of 50% can be done for marriage (after the age of 18) or higher education of the girl child.</li>
<li>The scheme qualifies for deduction under section 80 C and the interest on the investment is also exempt from tax.&nbsp;</li>
</ol>
Benefits while buying real estate:&nbsp; There are several benefits that Indian women can avail of while buying real estate. This includes:&nbsp;
<ol>
<li>To avail homes under the government&rsquo;s Pradhan Mantri Awas Yojna (PMAY), homes have to be registered either in a woman&rsquo;s name or with a woman as co-owner.</li>
<li>Lower stamp duty: Stamp duty charges are lower if the property is registered in a woman's name. However, this benefit varies from state to state.</li>
<li>Many banks offer a lower interest rate for home loans to women.&nbsp; &nbsp;</li>
</ol>
&nbsp;

As the word Atmanirbhar resounds across the economy, many wonder how does one really achieve financial freedom away from loan and debt burdens. This Independence Day Editorji brings you easy 5 habits that will help you on you to reach fix your finances:1. Budget 101: It all starts with a budget, experts recommend everyone irrespective of their salary levels maintain a budget to keep expenses in check. List basic expenses and leave room for a little 'splurge'. Important to not just list essentials but also personal priority spends as well. Many popularize the 50/30/20 rule -:  50% for needs, 30% for wants, and 20% for savings2. Clear Dues ASAP: As soon a credit card bill/EMI is due pay it off immediately. Do not fall into the trap of paying 'minimum' as it will circle you down a interest payment drain. If you have made a large purchase on your credit card, personal finance experts recommend paying it off even before the bill is generated by the credit card company to avoid bundled payments which may leave you short at the month end. 3. Ensure you insure: Insurance is an important financial tool. It can help you live life with fewer worries knowing you’ll receive financial assistance after a disaster or accident, helping you recover faster. Health, life and even term insurance are now an essential part of your budget given rising expenses and risks. 4. Save something, anything: Many argue I don't make enough to save. Finance experts say that with a little budget manouver and marking out wants vs needs makes room for much needed savings as little as it may be to start with.5. Monitor Your Credit: Everyone has a credit report card, you may argue that you don't have a loan so do not need to bother but that is a wrong approach. It is important to ensure that your CIBIL score which is affected even by your credit card payments is high this will ensure if need be you get loans are a cheaper rate as you are labelled as a 'low risk' loan taker. Here is wishing you a happy journey to financial freedom. 

India @ 75: Top 5 habits to ensure Financial Freedom this Independence Day

Top 5 habits to ensure Financial Freedom this Independence Day

How to be financially atmanirbhar by adopting simple habits early explained

As the word Atmanirbhar resounds across the economy, many wonder how does one really achieve financial freedom away from loan and debt burdens. This Independence Day Editorji brings you easy 5 habits that will help you on you to reach fix your finances: 1. Budget 101: It all starts with a budget, experts recommend everyone irrespective of their salary levels maintain a budget to keep expenses in check. List basic expenses and leave room for a little 'splurge'. Important to not just list essentials but also personal priority spends as well. Many popularize the 50/30/20 rule -:&nbsp; 50% for needs, 30% for wants, and 20% for savings 2. Clear Dues ASAP:&nbsp;As soon a credit card bill/EMI is due pay it off immediately. Do not fall into the trap of paying 'minimum' as it will circle you down a interest payment drain. If you have made a large purchase on your credit card, personal finance experts recommend paying it off even before the bill is generated by the credit card company to avoid bundled payments which may leave you short at the month end.&nbsp; 3. Ensure you insure:<a href="https://www.editorji.com/business-news/another-addition-to-the-already-over-extended-budget-higher-insurance-premiums-for-your-vehicles-1653568359858"> </a><a href="https://www.editorji.com/business-news/another-addition-to-the-already-over-extended-budget-higher-insurance-premiums-for-your-vehicles-1653568359858">Insurance</a> is an important financial tool. It can help you live life with fewer worries knowing you&rsquo;ll receive financial assistance after a disaster or accident, helping you recover faster.<a href="https://www.editorji.com/world-news/renaming-monkeypox-who-creates-open-forum-invites-public-feedback-after-stigmatisation-concerns-1660469350384"> Health</a>, life and even term insurance are now an essential part of your budget given rising expenses and risks.&nbsp; 4. Save something, anything:&nbsp;Many argue I don't make enough to save. Finance experts say that with a little budget manouver and marking out wants vs needs makes room for much needed savings as little as it may be to start with.
<a href="https://www.editorji.com/india-news/independence-day-2022-google-s-special-doodle-for-75-years-of-india-s-independence-1660545224202">Independence Day 2022: Google's special doodle for 75 years of India's independence</a> 5. Monitor Your Credit: Everyone has a credit report card, you may argue that you don't have a loan so do not need to bother but that is a wrong approach. It is important to ensure that your CIBIL score which is affected even by your credit card payments is high this will ensure if need be you get loans are a cheaper rate as you are labelled as a 'low risk' loan taker.&nbsp; Here is wishing you a happy journey to financial freedom.&nbsp;

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