Know More About the Married Women’s Property Rights in India

What is Married Women’s Property Rights in India

A married woman’s property is shielded from her husband, his creditors, and his relatives by the Married Women’s Property Act, 1874 (MWP Act). The MWP Act applies to all wedded ladies, everything being equal. 

On the off chance that your better half maintains a business and has lenders, they would have the principal guarantee on his life coverage strategies. You and your children will have the first claim if you and your husband bring such policies under the MWP Act’s purview. The MWP Act ensures that a married woman’s property is not taken from her by a third party. A strategy under MWP Act can’t be doled out to any other individual.

All these features along with scrap others come under the Women’s Property Rights.

Who is eligible to receive benefits under the Married Women’s Property Act?

The recipients under the MWP Act are:

  • Married woman and the child (both biological and adopted) 
  • A named insurance policy is required for Muslims. 

How will the Beneficiaries receive their benefits under the Women’s Property Rights?

Under Property Rights in India, especially the MWP Act, the state treats each policy as a distinct trust. Consequently, the proposer must also identify the trustees. The spouse or child typically serve as trustees. The legal administrator can likewise be a grown-up offspring of the proposer or a third individual.

A trust is established as soon as the policy is brought under the MWP Act. The Trusts Act does not require the establishment of a separate trust. The beneficiaries cannot be changed once they have been named, but the trustees can be changed at any time with the rightful legal advice online.

The policy cannot be assigned, as previously stated. As a result, the proposer is unable to borrow against the policy. This safeguards the wedded lady’s freedoms to her property as no bank can, later on, guarantee his directly over the advantages emerging from the arrangement.

How do I make the MWP Act apply to my insurance plan?

  • Inform the insurance company that you want your plan to be covered by the MVP Act when you take out a policy. 
  • Along with your insurance policy, an addendum would be provided to you. 
  • You would have to fill for the sake of your recipients and legal administrators in the addendum. 
  • Please be aware that naming trustees is not required. This benefit can only be used when you buy the policy. 
  • Your insurance policy could not be changed in the future. 
  • The Property Rights in India in this case, prohibit assigning an existing insurance policy.

What safeguards are provided by the MWP Act?

MWP Act gives the accompanying protections:

  • It prevents the proposer’s dependents from losing access to the proposer’s property. A creditor may claim the proposer’s property in the absence of the MWP Act’s protection.
  • This would safeguard your personal property from business debts if you are a businessman.
  • If a policy is protected by the MWP Act, the husband’s parents will not be able to oust the wife after the death of the husband.
  • Till the time the recipients who are named in the strategy are alive, no other person will reserve a privilege to the advantages emerging from the property.
  • On the off chance that you are essential for a joint family, covering your strategy under MWP might be helpful.
  • The MWP Act permits policies to be surrendered.
  • The proposer ought to make an acquiescence demand. 
  • The policyholder and the trustee ought to sign the surrender request. 
  • The beneficiary of a surrender request should not be a minor. 
  • The development benefits which emerge out of the strategy ought to go to the recipients named in the approach.

Women’s Property Rights given under MWP Act in India is an extraordinary device in the possession of married ladies to safeguard their property. A life coverage strategy safeguarded under this Act would keep the property of the spouse from being removed by leasers or even at times family members. 


A married woman is not entitled to her husband’s property. Consequently, it is essential that her husband’s property be safeguarded for her and her children’s benefit. The MWP Act is not well known to many people but with the right online legal consultation, you can very well get a hold of it in no time. 

As a result, only a small number of insurance policies cover the same thing. Even if you are a salaried employee, it would be beneficial to cover your insurance policy under the MWP Act if you run a business or stay in a joint family.