Post Office MIS Calculator
Calculate monthly income from Post Office Monthly Income Scheme.
Results
Monthly income
₹617
Annual income
₹7.4K
Total income (5 yrs)
₹37.0K
Principal returned at maturity
₹1.00 L
Track your post office investments in FlowTrack
Add your Post Office MIS as an asset in FlowTrack. Track all your fixed-income investments together and see your full net worth.
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What is Post Office Monthly Income Scheme (MIS)?
The Post Office Monthly Income Scheme (POMIS) is a government-backed savings scheme that provides a guaranteed monthly income. It has a 5-year tenure and currently offers 7.4% interest per annum, paid monthly. It is one of the safest monthly income options available to Indian investors, backed by the sovereign guarantee of the Government of India.
The maximum investment limit is ₹9 lakh for a single account and ₹15 lakh for a joint account. Unlike SCSS, Post Office MIS is open to all adults — not just senior citizens. The monthly interest is not compounded; the principal is returned at maturity and all income comes from the monthly payouts. Interest is taxable but no TDS is deducted by the post office.
POMIS is ideal for conservative investors who want predictable monthly cash flow — retirees, homemakers, or anyone building a passive income floor. It can be combined with SCSS or RD to maximise post office savings.