Approximately one million families received support from maternity capital in the year 2025, according to Tatyana Golikova.
The Maternity Capital program in Russia, a state financial support initiative aimed at encouraging families to have more children, has been in effect since 2007. Over the years, it has become a significant component of Russia’s demographic policy, helping approximately 14.8 million children across 4.2 million families as of 2025[1][3].
The program initially supported the birth or adoption of the second and subsequent children, but it was expanded in 2020 to include first-born children as well[2]. One of the primary uses of the Maternity Capital funds is improving housing conditions. According to Dom.RF, a significant portion of the funds is used for housing improvements, with 70% of families choosing this option[3].
Families can use the funds for approved purposes such as purchasing or renovating housing. A recent Constitutional Court judgement in July 2025 reaffirmed housing purchases as legitimate expenditure of Maternity Capital[4]. In addition, the funds can be applied toward education and childcare services, though awareness of usage options remains low among many parents[2].
The certificate is issued within seven working days to the mother’s online account on the public services portal, making access to the funds much simpler[1]. Under the new national Family project running through 2030 with a budget of almost 18 trillion rubles, Maternity Capital continues to be a core family support mechanism, with ongoing enhancements and expansions planned[3].
Tax deduction programs for families with two or more children are being developed as an additional support measure alongside Maternity Capital[3]. The government is focusing support particularly on large families and regions with birth rates below the national average, with targeted funds allocated to co-finance regional programs[3].
In the first six months of 2025, 77,300 large families (with three or more children) received mortgage repayment subsidies of 450,000 rubles each[3]. By 2025, approximately 992,000 families have used Maternity Capital funds[5].
The use of Maternity Capital for housing improvements, including buying or building a home, paying off mortgages, and creating 'Mother and Child' rooms and short-term childcare groups in universities, has been noted as a prevalent trend[3][5]. Some parents have even shown interest in investing the financial assistance in new areas, such as cryptocurrencies like Bitcoin, highlighting evolving financial behaviors[2].
In summary, Maternity Capital remains a significant component of Russia’s demographic policy to increase birth rates by financially assisting families, especially large ones, primarily through housing support and family welfare projects, with ongoing expansions and refinements to sustain this support through 2030 and beyond[1][3].
References:
- Rossiyskaya Gazeta
- Meduza
- Government of the Russian Federation
- Constitutional Court of the Russian Federation
- TASS
The Maternity Capital funds in Russia can be utilized not only for improving housing conditions but also for investments in personal finance, such as education or childcare services, cryptocurrencies, or even wealth-management strategies like saving for the future or investment in property. Considering the government's focus on family support, particularly for large families, the potential emergence of more finance-related uses for Maternity Capital may become a significant trend in personal-finance management.
