Post Office MIS
Calculate post office monthly income scheme returns
Post Office MIS Calculator
Indicative rate: 7.4% p.a.
₹
Yr
Rates are indicative. Verify on indiapost.gov.in before investing.
Monthly income₹0Paid out during tenure; principal returned at maturity
Investment₹0
Total interest₹0
Investment + total interest₹0
Investment
Total interest
Year-wise breakdown
| Year | Principal (A) | Interest (B) | Total (A + B) | Balance |
|---|
How to use this calculator
What is Post Office MIS?
Monthly Income Scheme pays fixed monthly interest for 5 years. Principal is returned at maturity.
Investment limits
Single account up to ₹9 lakh; joint account up to ₹15 lakh.
Formula
Monthly income = P × r / 12Examples
- ₹4,50,000 in MIS at 7.4% → ≈ ₹2,775/month
- 5-year tenure with monthly payout
Frequently asked questions
Are these the official India Post rates?
Rates are indicative for FY 2025-26. India Post revises small savings rates quarterly — verify on indiapost.gov.in before investing. This calculator is for planning only.