The maternity (family) capital is a state support measure provided to Russian families as part of the Family National Project. The program was launched in 2007 to last until the end of 2030.
As of February 1, 2026, the maternity (family) capital amount stands at:
- RUB 728,921.90 for a first child born or adopted in 2020 or later;
RUB 963,243.17 for a second child, if the first one was born before 2020, or for a third or subsequent children, if the maternity (family) capital
- entitlement has hot arisen before;
- RUB 234,321.27 – the supplement on the birth of a second child, provided that the first one was born or adopted in 2020 or later.
The maternity (family) capital amount is adjusted annually on February 1 based on the consumer price index for the prior year in line with the adjustment rates set by the Government of the Russian Federation.
The same procedure applies to adjusting the remainder of the maternity (family) capital amount.
You should know that:
- The maternity (family) capital entitlement arises only once;
- The maternity (family) capital amount is subject to annual adjustments; these adjustments do not require the certificate to be reissued;
- There is no deadline for submitting an application for the maternity (family) capital to the Social Fund after the birth (adoption) of a child; you can apply for your entire maternity (family) capital or a part thereof at any time once three years pass after the birth (adoption) of your first, second, third or subsequent children. If you plan to spend your maternity (family) capital to make an initial installment and/or repay principal and interest on loans or borrowings, mortgages included, for housing acquisition (construction) purposes, pay for pre-school education of children, purchase goods and services intended for social adaptation or integration of disabled children, get a monthly allowance on a birth or adoption of a child in the first three years of that child's life, or receive the remainder of your maternity (family) capital as a lump sum, provided that the amount remaining is RUB 10,000 or lower, the maternity (family) capital can be used at any time after the birth or adoption of the child whose birth (adoption) entitles you to the certificate;
- The maternity (family) capital is exempt from the individual income tax;
- The certificate is voided if: its owner's parental rights in relation to the child whose birth or adoption entitled the owner to the maternity (family) capital are revoked; if the owner commits a premeditated crime against his/her child (children) qualified as a crime against a person and causing revocation or limitation of his/her parental rights in relation to the child (children); the adoption of the child entitling the owner to the maternity (family) capital is annulled; the child entitling the owner to the maternity (family) capital is abandoned in a maternity hospital or another healthcare institution; if the owner gives a written consent to the adoption of his/her child entitling to the maternity (family) capital; or if the full amount of the maternity (family) capital is utilized;
- A state-issued maternity (family) capital certificate cannot be sold or cashed out. Any attempts to cash the certificate out are illegal. The maternity (family) capital certificate owner who agrees to cash it out shall be deemed a criminal offender and can be prosecuted for an unauthorized use of state funds.
You can use your maternity (family) capital to:
Improve your housing conditions:
- Purchase new housing;
- Make payments under a shared construction participation agreement;
- Build or reconstruct a single-family house by employing a contractor;
Build or reconstruct a single-family house on your own without a contractor;
Compensate the cost of a single-family house construction or reconstruction;
Pay an initial installment on a housing acquisition or construction loan, mortgage included;
Repay principal and interest on loans (borrowings), mortgages included, for housing acquisition or construction purposes;
Make a threshold payment and/or share contributions to a housing, housing construction or housing savings cooperative.
Pay for children's education:
- Pay for education services;
- Pay for pre-school education;
- Pay for a child (children)'s stay and care at an educational institution;
- Pay for accommodation and utilities in a dormitory provided by an educational institution where a child is studying.
- Contribute to a parent's funded pension.
- Purchase goods and services intended for social adaptation or integration of disabled children.
- Receive a monthly allowance on a birth or adoption of a child in the first three years of that child's life.
On top of that, if the remainder of your maternity (family) capital after disbursing does not exceed RUB 10,000, you can withdraw that remainder as a lump sum.
