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In times of fluctuating markets and uncertain returns, the Post Office Monthly Income Scheme (MIS) 2025 stands out as a safe, low-risk, and steady-income plan. Backed by the Government of India, this scheme is ideal for retirees, homemakers, and conservative investors seeking a fixed monthly income from a one-time deposit.

Let’s dive deep into the key features, interest rates, benefits, and process to invest in the Post Office MIS for the year 2025.


📌 What Is the Post Office Monthly Income Scheme?

The Post Office Monthly Income Scheme (POMIS) is a small savings scheme that allows you to deposit a lump sum and receive guaranteed interest payouts every month. It is governed by the Ministry of Finance and offered at all India Post Offices.

It is suitable for:

  • Senior citizens
  • Retirees looking for pension-like income
  • Risk-averse investors
  • Parents looking for income to support children

💰 Post Office MIS 2025: Interest Rate & Tenure

As of 2025, the interest rate on POMIS is 7.4% per annum, which is paid out monthly.

🔹 Key Financial Details:

  • Interest Rate: 7.4% p.a. (subject to quarterly revision)
  • Payout Mode: Monthly (credited to your PO savings account)
  • Tenure: 5 years
  • Type: Fixed income, non-market linked
  • Risk Level: Virtually zero (government-backed)

For example, if you invest ₹9 lakh, you will get around ₹5,550 per month as interest (calculated at 7.4%).


👥 Who Can Open a MIS Account?

✅ Eligible Individuals:

  • Indian citizens only (NRI not eligible)
  • Individuals 18 years and above
  • Joint accounts (up to 3 people) allowed
  • Minor (above 10 years) can open account in their name

💳 Investment Limits in MIS 2025

The deposit amount is subject to maximum limits depending on account type.

🔹 Deposit Limits:

Account TypeMaximum Investment
Individual₹9,00,000
Joint (up to 3)₹15,00,000 total
Minor₹3,00,000

There is no minimum monthly deposit—you make a one-time deposit only.


📆 Tenure and Maturity Rules

  • The investment is locked in for 5 years.
  • Upon maturity, the principal is returned in full.
  • You can reinvest in MIS again after maturity.
  • No additional interest is paid on maturity amount if not withdrawn after 5 years.

💸 Monthly Income Calculation Example

Let’s understand how much monthly income you get based on your deposit:

Investment AmountInterest RateMonthly Income (Approx.)
₹1,00,0007.4%₹616
₹5,00,0007.4%₹3,083
₹9,00,0007.4%₹5,550
₹15,00,000 (Joint)7.4%₹9,250

Interest is credited monthly, starting from 1 month after account opening.


📝 How to Open a Post Office MIS Account?

Opening a POMIS account is easy and can be done at any post office.

📂 Required Documents:

  • Aadhaar Card
  • PAN Card
  • Passport-size photograph
  • Filled MIS application form
  • Address proof
  • Post Office savings account (mandatory for crediting interest)

🛠️ Steps to Open an Account:

  1. Visit nearest Post Office with KYC documents
  2. Fill out the MIS Account Opening Form
  3. Submit documents and deposit amount via cheque or cash
  4. Nomination can be added at the time of opening
  5. Account is activated immediately

🔄 Can You Withdraw Early?

Yes, but with penalties:

⛔ Premature Withdrawal Rules:

  • Before 1 year: No withdrawal allowed
  • 1 to 3 years: 2% deduction from principal
  • 3 to 5 years: 1% deduction from principal

👴🏻 Senior Citizens & Post Office MIS

While MIS is open to all, it is especially beneficial for senior citizens:

  • Assured monthly income post-retirement
  • Higher eligibility if investing jointly
  • Can combine MIS with Senior Citizens Savings Scheme (SCSS) for dual income streams
  • No TDS is deducted, but interest is taxable as per income slab

⚖️ Taxation on MIS Income

MIS interest is not tax-free. Here’s how it is taxed:

  • TDS: No TDS is deducted
  • Taxable Income: Add interest to your annual income under “Income from Other Sources”
  • Form 15G/15H: Can be submitted if income is below the taxable limit

🔄 Reinvestment Option After 5 Years

Once the scheme matures after 5 years, you can:

  • Withdraw the full principal
  • Reinvest the amount into a new MIS account
  • Or move funds to RD, PPF, or SCSS

🆚 MIS vs Other Monthly Income Plans

FeaturePost Office MISBank FD Monthly PlanMutual Fund MIP
Interest Rate7.4%~6.5%-7%Varies (6–10%)
Risk LevelLow (Govt. backed)ModerateModerate to High
Lock-in Period5 years1–5 yearsNo fixed lock-in
Returns Guaranteed?YesYesNo
Suitable forSeniors, FamiliesGeneral InvestorsAggressive investors

🏁 Final Verdict: Is Post Office MIS 2025 Worth It?

Absolutely — if you’re looking for assured, monthly income without market risks, the Post Office Monthly Income Scheme 2025 is one of the best options.

✅ Low risk
✅ Fixed income every month
✅ Ideal for retirees and fixed-income seekers
✅ Backed by the Government of India

It’s especially suited for those who don’t want their money idle and also want monthly returns without tension.

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