Over three hundred residents of Kamchatka region have transfered the maternity capital to their children
Subtitle: A Comprehensive Guide to Using Maternity Capital Funds in Russia
In Russia, the Maternity Capital program offers families a unique opportunity to support their children's education, accommodation, and related services. Established as a state support measure, the funds can be utilized for children up to the age of 25 years old.
As of 2025, the maternity capital amounts stand at approximately 690,000 rubles for the first child and 912,000 rubles for the second and subsequent children. These funds can be employed in various ways to enhance the lives of families with children.
Education Expenses
Maternity capital can be used to pay for education services for children, encompassing tuition fees for preschool, school, and higher education institutions. It also covers some related expenses, such as school needs and possibly uniforms, as regions like Moscow and St. Petersburg provide annual compensations for school uniforms, which can be partially covered by maternity capital funds.
Accommodation and Housing
The use of maternity capital for improving living conditions, including purchasing housing or paying mortgages, is a common and legally supported use. This aims to provide better accommodation for families with children.
Age Limit
The funds may be used for the child's education or accommodation needs up to the age of 25 years, which aligns with the period of higher education and early adulthood support.
Withdrawal and Review Process
Application review for using maternity capital funds has been expedited, now taking 5 business days instead of 10, with quicker responses required for requests for additional documents (12 days instead of 20).
Partial Cash-out Option
Since 2025, it is possible to cash out up to 10,000 rubles from the maternity capital for discretionary use, including school-related expenses.
Usage and Limitations
The organization providing education can be either state or private, as long as it is located in Russia and has a valid license for educational services. The funds from Maternity Capital can be used for the education of any child in the family.
If an agreement on information exchange has been signed between the educational organization and the regional branch of the Fund, parents do not need to additionally provide a contract for services. When using funds for accommodation, a lease agreement for the dormitory room with the amount and payment terms, and a certificate from the organization confirming the student's residence in the dormitory must be provided.
Applications to use Maternity Capital funds for children's education can be submitted on the government services portal, at the regional Social Fund branch's client service, or at an MFC. Over 18 million rubles have been transferred by the Kamchatka Krai branch of the Social Fund for this purpose since 2025.
Before signing the contract, it is necessary to check if the institution has a license for educational activities. Maternity Capital funds can be used immediately after birth for kindergarten or preschool programs. For middle or higher education, the funds can be used until the child reaches 25 years old.
Further Questions
For further questions, consultations can be obtained from the single contact center at 8 (800) 100-00-01 (calls are free). It is essential to stay informed about the latest and most detailed regulations, which can be found on official government websites or local social service offices.
- Exceeding the scope of the Maternity Capital program, the funds can also be put towards personal-finance management and education-and-self-development, such as saving for future financial goals or investing in personal education to improve one's career prospects.
- In addition to the regular uses of Maternity Capital funds for education and housing expenses, learning about the program's partial cash-out option and withdrawal process can greatly aid families in managing and utilizing their resources efficiently, leading to better personal-finance management for their futures.
