Post Office MIS Calculator 2025 – Deposit ₹9 Lakh & Earn High Monthly Interest

Rakhal das

Nov 14, 2025

Post Office MIS Calculator: Deposit ₹9 Lakh And Earn Monthly Interested 

What is Post Office MIS?

The Post Office Monthly Income Scheme (MIS) is a safe and guaranteed-return scheme offered by India Post. It provides fixed monthly interest to depositors.
It is best for retirees, housewives, senior citizens, or anyone who wants monthly income without risk.

Post Office MIS Interest Rate 2025

As per the latest update, Post Office MIS interest rate is 7.4% per year.
(If the interest rate changes later, the monthly payout for new investments will be updated accordingly.)

MIS Calculator: Monthly Income on ₹9 Lakh Deposit

Here is the detailed calculation based on the current 7.4% annual interest rate.

Step-by-Step Calculation

• Principal Amount: ₹9,00,000
• Interest Rate: 7.4% yearly
• Annual Interest:

  9,00,000 \times 7.4\% = ₹66,600

  ₹66,600 \div 12 = ₹5,550

✅ Monthly Income From ₹9 Lakh in Post Office MIS = ₹5,550 per month

Total Interest in 5 Years

₹66,600 × 5 = ₹3,33,000

Maturity Amount After 5 Years

₹9,00,000 (principal) + ₹3,33,000 (interest) = ₹12,33,000

MIS Calculator Table (For Quick Comparison)

Note:

• Maximum deposit for a single account = ₹9 lakh
• Maximum deposit for a joint account = ₹15 lakh

Features of Post Office MIS

1. Guaranteed Monthly Income

Ideal for those who depend on monthly cash flow.

2. Zero Market Risk

Backed by the Government of India—100% secure.

3. Premature Closure Allowed

After 1 year (with penalty).

4. Suitable for Senior Citizens

Stable monthly income with no TDS deduction.

5. Joint & Minor Accounts Allowed

Family-friendly savings option.

Who Should Invest in MIS?

This scheme is perfect for:

• Retired persons
• Housewives
• Parents investing for children
• Senior citizens
• Anyone needing monthly interest income without risk

How to Open a Post Office MIS Account

Required documents:

• Aadhaar card
• PAN card
• Passport-size photo
• Address proof
• Post office savings account

Steps:

1. Visit nearest Post Office
2. Fill MIS application form
3. Submit KYC documents
4. Deposit money
5. Start receiving monthly interest

FAQs: Post Office MIS (2025)

1. What is the maximum deposit limit?

• ₹9,00,000 (single)
• ₹15,00,000 (joint account)

2. Is MIS interest taxable?

Yes, interest is taxable as per your income slab.

3. How long is the lock-in period?

5 years.

4. Can I reinvest MIS after maturity?

Yes, you can reinvest into MIS or any other post office scheme.

5. Is monthly interest credited automatically?

Yes, it goes directly to your Post Office Savings Account.

Conclusion

Investing ₹9 lakh in Post Office MIS can give you ₹5,550 monthly income, guaranteed by the government. It is one of the safest and most reliable income-generating schemes for individuals who want stable monthly earnings without taking any risk.