India Post has launched the revamped Post Office Monthly Income Scheme (MIS) for 2025, offering a safe and steady income source for conservative investors. Ideal for retirees, homemakers, and anyone looking for low-risk investments, this government-backed scheme promises attractive returns and enhanced investment limits.
What is the Post Office Monthly Income Scheme (MIS) 2025?
The Post Office Monthly Income Scheme (POMIS) is a fixed-income investment option that offers guaranteed monthly returns. This scheme is backed by the Government of India, making it one of the safest choices for investors looking for consistent returns with minimal risk.
Key Features of Post Office MIS 2025
| Feature | Details |
|---|---|
| Fixed Monthly Income | Guaranteed returns on investment |
| Safety | Backed by the Government of India |
| Investment Tenure | 5 years |
| Maturity Option | Option to reinvest after maturity |
| Availability | Available at all post offices across India |
How ₹9 Lakh Investment Can Earn You ₹18,350 Monthly
With the 2025 update, the maximum investment limit for joint accounts has been increased to ₹9 lakh, while single accounts are capped at ₹4.5 lakh. The interest rate stands at 7.4% per annum, payable monthly. Here’s a breakdown of how a ₹9 lakh investment can generate a monthly income:
Monthly Income Calculation Table (Joint Account – ₹9 Lakh Investment)
| Investment Amount (₹) | Annual Interest Rate | Annual Income (₹) | Monthly Income (₹) |
|---|---|---|---|
| ₹1,00,000 | 7.4% | ₹7,400 | ₹616.66 |
| ₹2,00,000 | 7.4% | ₹14,800 | ₹1,233.33 |
| ₹3,00,000 | 7.4% | ₹22,200 | ₹1,850.00 |
| ₹5,00,000 | 7.4% | ₹37,000 | ₹3,083.33 |
| ₹7,00,000 | 7.4% | ₹51,800 | ₹4,316.66 |
| ₹8,00,000 | 7.4% | ₹59,200 | ₹4,933.33 |
| ₹9,00,000 | 7.4% | ₹66,600 | ₹5,550.00 |
Over 5 years, this amounts to ₹3,99,600 total interest on ₹9 lakh, giving you ₹18,350 every three months (quarterly payout option also available).
Eligibility and Application Process
Who Can Invest?
- Indian residents above 18 years
- Minors through a guardian
- Joint accounts (up to 3 adults)
Documents Required:
- Aadhaar Card
- PAN Card
- Passport-sized photograph
- Address proof
- Fully filled MIS application form (available at post office)
How to Apply:
- Visit your nearest Post Office branch
- Fill and submit the MIS application form
- Submit KYC documents
- Deposit the amount via cash or cheque
- Receive your passbook instantly
Benefits of Post Office MIS 2025
| Benefit | Details |
|---|---|
| Safety and Security | Government-backed, ensuring capital protection and assured returns |
| Attractive Interest Rate | 7.4% interest rate, higher than many savings accounts or FDs |
| Monthly Income | Ideal for pensioners and homemakers seeking fixed income |
| Flexible Investment Options | Available as single or joint accounts; can be transferred across post offices |
Interest Rate Comparison Table (2025)
| Scheme Name | Interest Rate (p.a.) | Monthly Payout | Tenure | Risk Level |
|---|---|---|---|---|
| Post Office MIS | 7.4% | Yes | 5 Years | Very Low |
| SBI Fixed Deposit | 6.5% | No | 5 Years | Low |
| Senior Citizens FD | 7.5% | No | 5 Years | Low |
| National Savings Certificate | 7.7% (compounded) | No | 5 Years | Very Low |
| PPF | 7.1% (compounded) | No | 15 Years | Very Low |
| Mutual Fund (Debt) | Varies | No | Flexible | Moderate |
Things to Keep in Mind Before Investing
- Interest is taxable as per your income tax slab
- No tax deduction under Section 80C
- Premature withdrawal allowed after 1 year, with a penalty
- No online facilities – account management must be done offline
Who Should Consider MIS 2025?
Post Office MIS 2025 is ideal for:
- Retired individuals seeking fixed monthly income
- Homemakers or senior citizens desiring risk-free returns
- Investors who prefer government-backed instruments
- Those seeking a reliable income stream without market volatility
For anyone looking to earn ₹18,350 per month from a ₹9 lakh investment, MIS 2025 is a stable and dependable option. While it does not offer tax benefits, its low risk, fixed returns, and ease of access make it a great choice for many.
FAQs
What is the interest rate on Post Office MIS 2025?
The interest rate is 7.4% per annum, payable monthly.
Can I invest in a joint account?
Yes, joint accounts are allowed, with a maximum investment of ₹9 lakh.
How much can I invest in a single account?
For single accounts, the maximum limit is ₹4.5 lakh.
Is there any penalty for premature withdrawal?
Yes, there is a penalty for premature withdrawal after 1 year.
Can I manage my MIS account online?
No, the MIS account must be managed offline at your nearest post office.
Please send a person to my residence to understand various fixed deposit option to consider monthly income deposit.