Answering in very simple points:

1. First, what both agree on (very important):

- Soul (jiv) has no gender. - A woman’s soul and a man’s soul are 100% equal in capacity for moksha. - The difference is only in interpretation of how the last step to moksha happens in this time‑cycle, not in spiritual worth.

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Digambar view – why they say women cannot attain moksha in a female body

Digambar acharyas teach:

1. For final moksha in this era, a sadhu must practice:

- Complete non‑possession (aparigraha) - Including total giving up of clothes (nagna muni-dharma)

1. In Digambar discipline:

- Only munis (male monks) are allowed to be nude. - Women renunciants are āryikā – they take very high vows but wear simple white clothes.

1. Because of this:

- The exact form of last‑stage renunciation (nagna muni-dharma) is not practiced in a female body. - So they say: a woman can go very high spiritually, but for the final step to moksha she will take one more birth as a man, and then attain moksha from that male body.

1. Digambaris explain this as:

- A rule of monastic conduct and conditions of this time‑cycle, - Not that women are spiritually lower.

You can read a simple explanation here and here .

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Śvetāmbara view – why they say women can attain moksha in a female body

Śvetāmbara acharyas teach:

1. Clothes are not the main issue.

- Real aparigraha is inner non‑attachment. - A person can wear simple white clothes without any attachment and still be fully non‑possessive.

1. Therefore:

- Nudity is not compulsory for liberation. - Both sadhus and sadhvīs (monks and nuns) can attain keval‑jnān and moksha.

1. They also say:

- The 19th Tirthankar Mallināth Bhagwān was female (Malli Kumari) – a direct example that a woman can reach the highest state. - This strongly supports their view that women can attain moksha in the present female body.

You can see a simple explanation here and a basic Digambar–Śvetāmbara difference summary here .

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Essence in one line

• Digambar: Women must first be reborn as men for the final moksha, due to their rule that last‑stage renunciation requires male nude monkhood.
• Śvetāmbara: Inner purity is what matters; so women can attain moksha directly in a female body.

In both, the soul is fully equal – only the path’s outer form is understood differently.