🏦 Post Office Monthly Income Scheme Calculator – Easy & Instant
Calculate your monthly income from India Post's popular savings scheme with guaranteed returns!
POMIS Calculation Results
📌 POMIS Key Features
- Guaranteed monthly income with government backing
- Current interest rate: 7.4% per annum (as of June 2025)
- Minimum deposit: ₹1,000 | Maximum: ₹9 lakh (single) / ₹15 lakh (joint)
- 5-year tenure with option to extend for another 5 years
- Interest paid monthly, principal returned at maturity
- Tax benefits: Interest is taxable under Income Tax Act
- Premature withdrawal allowed after 1 year with penalty
🔍 Compare with Other Schemes
| Scheme | Interest Rate | Monthly Income on ₹5L | Lock-in Period |
|---|---|---|---|
| POMIS | 7.4% | ₹3,083 | 5 years |
| Senior Citizen Savings | 8.2% | ₹3,417 | 5 years |
| Bank FD | 6.5-7.5% | ₹2,708-₹3,125 | 1-5 years |
| Corporate FD | 7.5-9% | ₹3,125-₹3,750 | 1-5 years |
Note: This calculator provides estimates based on current interest rates. Actual returns may vary if rates change. POMIS interest is taxable under Income Tax Act. Consult your financial advisor before investing.
Post Office Monthly Income Scheme Calculator
The Post Office Monthly Saving Scheme Calculator helps you find out how much monthly interest you’ll earn when you invest in India Post’s MIS scheme.
Just enter your investment amount, and the calculator shows your monthly income based on the current interest rate.
This tool is ideal for senior citizens, retired people, parents, or anyone looking for a safe and steady monthly income.
🔒 Quick Facts About Post Office MIS (As of Q2 2025):
Interest Rate: 7.4% per annum (paid monthly)
Minimum Investment: ₹1,000
Maximum Investment:
Single Account: ₹9,00,000
Joint Account (up to 3 people): ₹15,00,000
Lock-in Period / Tenure: 5 years
Payout Frequency: Monthly (starting from next month)
Tax: Interest is taxable, but no TDS is deducted
How to Use the Calculator
Follow these steps to use the Post Office MIS Calculator easily:
✅ Enter your investment amount (e.g., ₹1,50,000 or ₹5,00,000).
📈 The calculator uses the latest interest rate (currently 7.4%).
💵 Click Calculate to see your monthly income.
🎯 View result instantly showing monthly earnings.
🔁 Change amount to compare different returns.
💡 Example:
If you invest ₹5,00,000 at 7.4% per year, you will earn:
🟢 ₹3,083 per month (approx.)
Top Features and Benefits
✓ Easy-to-use calculator – no math needed
✓ Shows monthly returns with just 1 click
✓ Free to use, no registration required
✓ Based on latest government MIS rates
✓ Works on mobile, desktop, or tablet
✓ Helps plan your retirement or fixed income
✓ No ads, no spam, just helpful results
✓ Accurate, safe, and updated regularly
✓ Great for financial planning, even for beginners
Why Use This Tool?
Here’s why people across India love using this Post Office MIS calculator:
• 👵 Senior citizens: To plan monthly pension income
• 👨👩👧👦 Parents: To earn stable income from savings
• 🧮 Taxpayers: To explore low-risk investment options
• 👨⚕️ Professionals: For side income planning
• 📈 Investors: To compare returns with FD, SCSS, or mutual funds
• 🧠 Students & planners: To understand how fixed income works
Whether you’re looking for guaranteed returns, or checking “How much interest will I earn in Post Office MIS?” – this tool makes it simple.
FAQs
Q1: What is the current MIS interest rate?
As of June 2025, it is 7.4% per annum, paid monthly.
Q2: What is the minimum and maximum investment limit?
Minimum is ₹1,000. Maximum is ₹9 lakh for a single account and ₹15 lakh for joint accounts.
Q3: Is MIS income taxable?
Yes, interest earned is taxable, but no TDS is deducted.
Q4: How long is the lock-in period?
The MIS scheme has a 5-year lock-in period.
Q5: Can I withdraw early?
Yes, after 1 year. But premature withdrawals come with small penalties.
Try the Post Office MIS Calculator Now!
Want to know how much you’ll earn every month with a safe, government-backed scheme? Try the Post Office Monthly Income Scheme Calculator now! It’s simple, fast, and free. Bookmark it and share it with anyone planning a steady income from savings.