Post Office · Monthly Income · Fixed Returns

Post Office MIS Calculator —
Guaranteed Monthly Income

Post Office MIS at 7.4% on ₹9L (maximum single account) gives ₹5,550/month guaranteed for 5 years. Best for retirees needing regular income without market risk.

Post Office MIS at 7.4% on ₹9L (maximum single account) gives ₹5,550/month guaranteed for 5 years. Best for retirees needing regular income without market risk.
Enter Details
Amount
₹500,000
₹1K₹1Cr
Rate
7%
1%36%
Period (years)
5 yrs
1 yr40 yrs
Result
₹0
calculated value
Invested
₹0
Returns
₹0
Return %
0%
Rate
0%

Frequently Asked Questions

What is the Post Office MIS interest rate in 2026?+
Current POMIS rate is 7.4% per annum, paid monthly. Maximum investment: ₹9L for single account, ₹15L for joint account. Maturity: 5 years. Returns are taxable. On ₹9L investment: monthly income = ₹5,550. No TDS if yearly interest under ₹40,000.
Post Office MIS vs Senior Citizen Savings Scheme — which is better?+
SCSS pays 8.2% quarterly vs POMIS 7.4% monthly. SCSS is better yielding but only for age 60+. SCSS maximum: ₹30L per account. POMIS suits any age with lower limits. Both are safe with government backing.