₹1 Lakh Investment in Post Office MIS – How Much Monthly Income Will You Get?
The Post Office Monthly Income Scheme (MIS) is one of the most popular government-backed savings schemes in India. It is designed for individuals who want safe investments
Many investors ask: If I invest ₹1 lakh in Post Office MIS, how much monthly income will I receive?
Let’s understand this with a simple calculation.
What is Post Office Monthly Income Scheme (MIS)?
The Post Office Monthly Income Scheme (POMIS) is a savings scheme offered by India Post where investors receive monthly interest income on their investment.
Key Features
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Government-backed investment
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Fixed interest rate
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Monthly income payout
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Tenure of 5 years
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Low-risk investment option
This scheme is especially popular among retirees and conservative investors who want stable income.
Current Interest Rate of MIS
The Post Office MIS currently offers an interest rate of approximately 7.4% per year (subject to government revisions).
Interest is paid monthly, making it ideal for people who want a steady income.
₹1 Lakh Investment in Post Office MIS – Calculation
Let’s assume the following investment:
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Investment Amount: ₹1,00,000
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Interest Rate: 7.4% per year
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Tenure: 5 years
Monthly Income Calculation
Yearly Interest =
₹1,00,000 × 7.4% = ₹7,400
Monthly Income =
₹7,400 ÷ 12 ≈ ₹617 per month
Investment Summary
| Details | Amount |
|---|---|
| Investment | ₹1,00,000 |
| Interest Rate | 7.4% |
| Yearly Income | ₹7,400 |
| Monthly Income | ₹617 |
| Tenure | 5 Years |
After 5 years, you will also receive your original investment of ₹1,00,000 back.
Maximum Investment Limit
The Post Office MIS has an investment limit.
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Single account: ₹9 lakh
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Joint account: ₹15 lakh
This allows investors to earn a higher monthly income by investing a larger amount.
Who Should Invest in Post Office MIS?
This scheme is suitable for:
✔ Retired individuals
✔ People seeking regular monthly income
✔ Low-risk investors
✔ Those looking for safe government-backed schemes
Advantages of Post Office MIS
Some benefits of the scheme include:
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Guaranteed returns
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Government security
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Regular monthly income
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Easy investment process
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Suitable for conservative investors
Calculate Investment Returns with FinCalci App
If you want to calculate returns from different investments easily, you can use FinCalci – Smart Financial Calculator App.
With FinCalci you can calculate:
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SIP returns
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Loan EMI
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Fixed Deposit (FD) maturity
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Recurring Deposit (RD) returns
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PPF investment growth
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Simple & Compound Interest
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Track daily expenses
👉 Download FinCalci – Expense Tracker, EMI & SIP Calculator on Google Play and manage your finances smarter.
Conclusion
Investing ₹1 lakh in Post Office MIS can generate approximately ₹617 per month as interest income at the current rate of around 7.4% per year.
This scheme is ideal for individuals who want safe and predictable monthly income from a government-backed investment.
Using tools like FinCalci can help you easily calculate investment returns and plan your finances effectively.
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