Calculate monthly guaranteed income from Post Office MIS. Get steady returns on your lump sum investment with zero market risk.
Post Office MIS is a safe, government-backed scheme that provides a guaranteed fixed monthly income for 5 years. It is ideal for retirees or anyone seeking regular passive income without market risk. Your principal is fully returned at maturity.
| Who Can Open? | Any Indian resident individual |
| Single Account Limit | ₹9,00,000 |
| Joint Account Limit | ₹15,00,000 (up to 3 adults) |
| Minimum Deposit | ₹1,000 |
| Interest Rate | 7.4% p.a. (Subject to quarterly revision) |
| Tenure | 5 Years |
| Payout Frequency | Monthly (credited to savings/PO account) |
| Principal | ₹5,00,000 |
| Annual Interest (7.4%) | ₹37,000 |
| Monthly Income | ₹3,083 |
| Total Interest (5 yrs) | ₹1,85,000 |
| Total Returns | ₹6,85,000 |
* Monthly Income = ₹5,00,000 × 7.4% ÷ 12 = ₹3,083/month. Interest rates are subject to quarterly revision by the Government of India.
