Post Office MIS Calculator 2025 - Monthly Income Scheme Calculator
Calculate Post Office Monthly Income Scheme returns instantly with our advanced online calculator. Get accurate results for 7.4% interest rate, monthly payout of ₹617 on ₹1 lakh investment, 5-year maturity calculations, premature withdrawal penalties, joint account benefits up to ₹15 lakh, and tax implications. Compare Post Office MIS vs SCSS vs Bank FD with PDF download feature for guaranteed monthly income planning.
| Year | Monthly Interest | Annual Interest | Cumulative Interest | Tax (if applicable) |
|---|
| Before 1 Year | Not Allowed |
| Between 1-3 Years | 2% Penalty on Principal |
| After 3 Years | 1% Penalty on Principal |
| At Maturity (5 Years) | No Penalty |
| Feature | PO MIS | SCSS | Bank FD | Post Office RD |
|---|---|---|---|---|
| Current Rate | 7.4% | 8.2% | 7-7.5% | 6.9% |
| Interest Payout | Monthly | Quarterly | Various | At Maturity |
| Tenure | 5 Years | 5 Years (+3) | 7 days-10 years | 5 Years |
| Min Investment | ₹1,000 | ₹1,000 | ₹1,000 | ₹100 |
| Max Investment | ₹9L/₹15L | ₹30 Lakh | No Limit | No Limit |
| Age Eligibility | Any Age | 60+ Years | Any Age | Any Age |
| Tax Benefit | None | 80TTB | 80C (5yr FD) | 80C |
| Risk Level | Zero | Zero | Low | Zero |
• Single account: Maximum ₹9 lakh investment
• Joint account: Maximum ₹15 lakh (₹9 lakh per person)
• Interest paid monthly via auto-credit or post-dated cheques
• Account can be transferred between post offices
• Nomination facility available
• No bonus on maturity for accounts opened after Dec 2011
• Can open multiple MIS accounts within overall limit
Calculating...
Post Office MIS Calculator 2025 - Monthly Income Scheme Calculator
Post Office Monthly Income Scheme (MIS) is a government-backed savings scheme offering guaranteed monthly income at 7.4% interest rate, ideal for regular income seekers and retirees. Our advanced Post Office MIS calculator 2025 helps you instantly calculate monthly payouts from investment, total 5-year returns, effective post-tax returns, and premature withdrawal penalties. Whether you're planning retirement income through MIS monthly income calculator or comparing Post Office MIS vs SCSS vs FD, our calculator provides comprehensive analysis with PDF download feature for documentation.
Unlike other fixed income schemes, Post Office MIS provides regular monthly payouts making it perfect for pension planning. Our MIS interest calculator with monthly payout shows exact monthly income, annual returns, and tax implications on interest income. With features like Post Office MIS maturity calculator and reinvestment planning for monthly interest, investors can maximize returns while ensuring regular income flow.
Post Office MIS Calculator PDF Download - Complete Investment Report
Our Post Office MIS calculator with PDF download feature enables investors to save detailed investment reports instantly. The downloadable PDF includes monthly payout schedule for 5 years, year-wise interest breakdown, tax calculation on interest income, comparison with other monthly income schemes, and effective returns analysis. This documentation is essential for retirement income planning, post office account opening, tax filing and ITR preparation, and financial planning records. Generate professional reports for different investment amounts to plan guaranteed monthly income.
Post Office MIS Interest Rate 2025 & Monthly Income Calculation
Understanding Post Office MIS monthly income formula helps plan regular income:
Monthly Income = (Principal × Interest Rate) ÷ 12
Example: ₹1,00,000 × 7.4% ÷ 12 = ₹617 per month
Current MIS Rate: 7.4% p.a. (Q3 2024-25)
MIS Investment & Returns Example:
Investment: ₹5,00,000 at 7.4% for 5 years
Monthly Income: ₹3,083
Annual Income: ₹37,000
Total 5-Year Interest: ₹1,85,000
Principal returned at maturity: ₹5,00,000
Monthly Income from Different Investment Amounts
Quick reference table for Post Office MIS monthly income calculator:
| Investment Amount | Monthly Income | Annual Income | 5-Year Total Interest | Tax @ 30% |
|---|---|---|---|---|
| ₹50,000 | ₹308 | ₹3,700 | ₹18,500 | ₹1,110 |
| ₹1,00,000 | ₹617 | ₹7,400 | ₹37,000 | ₹2,220 |
| ₹3,00,000 | ₹1,850 | ₹22,200 | ₹1,11,000 | ₹6,660 |
| ₹5,00,000 | ₹3,083 | ₹37,000 | ₹1,85,000 | ₹11,100 |
| ₹9,00,000 | ₹5,550 | ₹66,600 | ₹3,33,000 | ₹19,980 |
| ₹15,00,000 | ₹9,250 | ₹1,11,000 | ₹5,55,000 | ₹33,300 |
* ₹9 lakh max for single account | ₹15 lakh max for joint account
Post Office MIS Account Opening Process
Eligibility Criteria:
- Indian residents of any age
- Minor above 10 years can open account
- Joint account with up to 3 adults
- Guardian can open for minor
- HUF not eligible
Investment Limits:
- Single Account: Maximum ₹9 lakh
- Joint Account: Maximum ₹15 lakh
- Minor Account: Maximum ₹3 lakh
- Multiple Accounts: Allowed within overall limit
Documents Required:
- Identity proof (Aadhaar/PAN/Voter ID)
- Address proof documents
- Passport size photographs
- Account opening form
- Initial deposit amount
- Nomination form
Post Office MIS vs SCSS - Which is Better?
Detailed comparison using our calculator analysis:
| Parameter | Post Office MIS | SCSS | Better For |
|---|---|---|---|
| Interest Rate | 7.4% | 8.2% | SCSS ✓ |
| Age Eligibility | Any Age | 60+ Years | MIS ✓ |
| Interest Payout | Monthly | Quarterly | MIS ✓ |
| Maximum Investment | ₹9L/₹15L | ₹30 Lakh | SCSS ✓ |
| Tax Benefits | None | 80TTB (₹50,000) | SCSS ✓ |
| Tenure | 5 Years | 5 Years (+3) | SCSS ✓ |
Verdict: SCSS better for senior citizens with higher returns and tax benefits. Post Office MIS better for all age groups needing monthly income.
Post Office MIS Premature Withdrawal Rules & Penalties
Understanding withdrawal penalties helps in planning:
| Withdrawal Period | Penalty Rate | Example (₹5 Lakh) | Amount Received |
|---|---|---|---|
| Before 1 Year | Not Allowed | - | - |
| 1-3 Years | 2% of Principal | ₹10,000 | ₹4,90,000 |
| After 3 Years | 1% of Principal | ₹5,000 | ₹4,95,000 |
| At Maturity | No Penalty | ₹0 | ₹5,00,000 |
Tax on Post Office MIS Interest Income
Important tax implications for MIS investors:
- Interest Taxation: Fully taxable as per income slab
- TDS Deduction: No TDS by post office
- ITR Filing: Must declare interest income
- Tax Planning: Consider tax bracket before investing
Tax Calculation Example:
Investment: ₹9 lakh in MIS
Annual Interest: ₹66,600
Tax @ 30% slab: ₹19,980
Net Annual Income: ₹46,620
Effective Return: 5.18% post-tax
Smart Strategies to Maximize MIS Returns
- Ladder Investments: Open multiple accounts with different maturity dates
- Reinvest Monthly Interest: Put monthly income in RD for compound returns
- Joint Account Benefits: Utilize ₹15 lakh limit with spouse
- Combine with SCSS: If senior citizen, use both for optimal returns
- Tax Planning: Invest if in lower tax bracket
- Avoid Early Withdrawal: Plan for 5-year lock-in to avoid penalties
- Multiple Post Offices: Can open accounts at different branches
Post Office MIS Calculator - Reinvestment Options
Maximize returns by reinvesting monthly interest:
| Reinvestment Option | Additional Return | Total Effective Return | Risk Level |
|---|---|---|---|
| Post Office RD | 6.9% p.a. | ~8.5% | Zero |
| Bank FD | 7-7.5% p.a. | ~8.7% | Low |
| Mutual Fund SIP | 10-12% p.a.* | ~10% | Moderate |
| PPF Account | 7.1% p.a. | ~8.3% | Zero |
* Returns subject to market risks
Frequently Asked Questions About Post Office MIS Calculator
Q: What is the current Post Office MIS interest rate for 2025?
A: The current Post Office MIS interest rate is 7.4% per annum (Q3 2024-25), paid monthly. Government revises rates quarterly based on bond yields. Our Post Office MIS calculator 2025 uses the latest rate for accurate calculations.
Q: How much monthly income from ₹5 lakh in Post Office MIS?
A: ₹5 lakh invested in Post Office MIS at 7.4% gives monthly income of ₹3,083. Annual income is ₹37,000 and total 5-year interest is ₹1,85,000. Use our calculator for different amounts.
Q: Is Post Office MIS interest taxable?
A: Yes, Post Office MIS interest is fully taxable as per your income tax slab. No TDS is deducted by post office, but you must declare this income in ITR. Interest gets added to your total taxable income.
Q: Can I invest more than ₹9 lakh in Post Office MIS?
A: Single account limit is ₹9 lakh. However, you can invest up to ₹15 lakh through joint account. Multiple MIS accounts can be opened across different post offices within overall limit.
Q: What happens after 5 years Post Office MIS maturity?
A: Principal amount is returned on maturity after 5 years. You can reinvest in a new MIS account at prevailing interest rates. No auto-renewal facility available.
Q: Is premature withdrawal allowed in Post Office MIS?
A: Yes, premature withdrawal allowed after 1 year with penalty - 2% of principal (1-3 years) or 1% of principal (after 3 years). No withdrawal permitted in first year.
Q: Can senior citizens invest in Post Office MIS?
A: Yes, Post Office MIS is open to all age groups including senior citizens. However, SCSS offers better returns (8.2%) with tax benefits for 60+ aged individuals.
Q: Is Post Office MIS better than bank FD?
A: Post Office MIS offers 7.4% with monthly payout vs 7-7.5% for bank FDs. MIS has government guarantee and fixed 5-year tenure. FDs offer more flexibility in tenure and premature withdrawal.
Q: Can NRIs invest in Post Office MIS?
A: No, NRIs cannot open Post Office MIS account. Only resident Indians are eligible. Existing accounts can be continued if holder becomes NRI during tenure.
Q: How accurate is the Post Office MIS calculator?
A: Our MIS monthly income calculator provides 100% accurate results based on current 7.4% rate with exact monthly payout calculations matching post office computations.
Post Office MIS Calculator 2025 - Monthly Income Scheme Calculator
Calculate Post Office Monthly Income Scheme returns instantly with our advanced online calculator. Get accurate results for 7.4% interest rate, monthly payout of ₹617 on ₹1 lakh investment, 5-year maturity calculations, premature withdrawal penalties, joint account benefits up to ₹15 lakh, and tax implications. Compare Post Office MIS vs SCSS vs Bank FD with PDF download feature for guaranteed monthly income planning.
| Year | Monthly Interest | Annual Interest | Cumulative Interest | Tax (if applicable) |
|---|
| Before 1 Year | Not Allowed |
| Between 1-3 Years | 2% Penalty on Principal |
| After 3 Years | 1% Penalty on Principal |
| At Maturity (5 Years) | No Penalty |
| Feature | PO MIS | SCSS | Bank FD | Post Office RD |
|---|---|---|---|---|
| Current Rate | 7.4% | 8.2% | 7-7.5% | 6.9% |
| Interest Payout | Monthly | Quarterly | Various | At Maturity |
| Tenure | 5 Years | 5 Years (+3) | 7 days-10 years | 5 Years |
| Min Investment | ₹1,000 | ₹1,000 | ₹1,000 | ₹100 |
| Max Investment | ₹9L/₹15L | ₹30 Lakh | No Limit | No Limit |
| Age Eligibility | Any Age | 60+ Years | Any Age | Any Age |
| Tax Benefit | None | 80TTB | 80C (5yr FD) | 80C |
| Risk Level | Zero | Zero | Low | Zero |
• Single account: Maximum ₹9 lakh investment
• Joint account: Maximum ₹15 lakh (₹9 lakh per person)
• Interest paid monthly via auto-credit or post-dated cheques
• Account can be transferred between post offices
• Nomination facility available
• No bonus on maturity for accounts opened after Dec 2011
• Can open multiple MIS accounts within overall limit
Calculating...
Post Office MIS Calculator 2025 - Monthly Income Scheme Calculator
Post Office Monthly Income Scheme (MIS) is a government-backed savings scheme offering guaranteed monthly income at 7.4% interest rate, ideal for regular income seekers and retirees. Our advanced Post Office MIS calculator 2025 helps you instantly calculate monthly payouts from investment, total 5-year returns, effective post-tax returns, and premature withdrawal penalties. Whether you're planning retirement income through MIS monthly income calculator or comparing Post Office MIS vs SCSS vs FD, our calculator provides comprehensive analysis with PDF download feature for documentation.
Unlike other fixed income schemes, Post Office MIS provides regular monthly payouts making it perfect for pension planning. Our MIS interest calculator with monthly payout shows exact monthly income, annual returns, and tax implications on interest income. With features like Post Office MIS maturity calculator and reinvestment planning for monthly interest, investors can maximize returns while ensuring regular income flow.
Post Office MIS Calculator PDF Download - Complete Investment Report
Our Post Office MIS calculator with PDF download feature enables investors to save detailed investment reports instantly. The downloadable PDF includes monthly payout schedule for 5 years, year-wise interest breakdown, tax calculation on interest income, comparison with other monthly income schemes, and effective returns analysis. This documentation is essential for retirement income planning, post office account opening, tax filing and ITR preparation, and financial planning records. Generate professional reports for different investment amounts to plan guaranteed monthly income.
Post Office MIS Interest Rate 2025 & Monthly Income Calculation
Understanding Post Office MIS monthly income formula helps plan regular income:
Monthly Income = (Principal × Interest Rate) ÷ 12
Example: ₹1,00,000 × 7.4% ÷ 12 = ₹617 per month
Current MIS Rate: 7.4% p.a. (Q3 2024-25)
MIS Investment & Returns Example:
Investment: ₹5,00,000 at 7.4% for 5 years
Monthly Income: ₹3,083
Annual Income: ₹37,000
Total 5-Year Interest: ₹1,85,000
Principal returned at maturity: ₹5,00,000
Monthly Income from Different Investment Amounts
Quick reference table for Post Office MIS monthly income calculator:
| Investment Amount | Monthly Income | Annual Income | 5-Year Total Interest | Tax @ 30% |
|---|---|---|---|---|
| ₹50,000 | ₹308 | ₹3,700 | ₹18,500 | ₹1,110 |
| ₹1,00,000 | ₹617 | ₹7,400 | ₹37,000 | ₹2,220 |
| ₹3,00,000 | ₹1,850 | ₹22,200 | ₹1,11,000 | ₹6,660 |
| ₹5,00,000 | ₹3,083 | ₹37,000 | ₹1,85,000 | ₹11,100 |
| ₹9,00,000 | ₹5,550 | ₹66,600 | ₹3,33,000 | ₹19,980 |
| ₹15,00,000 | ₹9,250 | ₹1,11,000 | ₹5,55,000 | ₹33,300 |
* ₹9 lakh max for single account | ₹15 lakh max for joint account
Post Office MIS Account Opening Process
Eligibility Criteria:
- Indian residents of any age
- Minor above 10 years can open account
- Joint account with up to 3 adults
- Guardian can open for minor
- HUF not eligible
Investment Limits:
- Single Account: Maximum ₹9 lakh
- Joint Account: Maximum ₹15 lakh
- Minor Account: Maximum ₹3 lakh
- Multiple Accounts: Allowed within overall limit
Documents Required:
- Identity proof (Aadhaar/PAN/Voter ID)
- Address proof documents
- Passport size photographs
- Account opening form
- Initial deposit amount
- Nomination form
Post Office MIS vs SCSS - Which is Better?
Detailed comparison using our calculator analysis:
| Parameter | Post Office MIS | SCSS | Better For |
|---|---|---|---|
| Interest Rate | 7.4% | 8.2% | SCSS ✓ |
| Age Eligibility | Any Age | 60+ Years | MIS ✓ |
| Interest Payout | Monthly | Quarterly | MIS ✓ |
| Maximum Investment | ₹9L/₹15L | ₹30 Lakh | SCSS ✓ |
| Tax Benefits | None | 80TTB (₹50,000) | SCSS ✓ |
| Tenure | 5 Years | 5 Years (+3) | SCSS ✓ |
Verdict: SCSS better for senior citizens with higher returns and tax benefits. Post Office MIS better for all age groups needing monthly income.
Post Office MIS Premature Withdrawal Rules & Penalties
Understanding withdrawal penalties helps in planning:
| Withdrawal Period | Penalty Rate | Example (₹5 Lakh) | Amount Received |
|---|---|---|---|
| Before 1 Year | Not Allowed | - | - |
| 1-3 Years | 2% of Principal | ₹10,000 | ₹4,90,000 |
| After 3 Years | 1% of Principal | ₹5,000 | ₹4,95,000 |
| At Maturity | No Penalty | ₹0 | ₹5,00,000 |
Tax on Post Office MIS Interest Income
Important tax implications for MIS investors:
- Interest Taxation: Fully taxable as per income slab
- TDS Deduction: No TDS by post office
- ITR Filing: Must declare interest income
- Tax Planning: Consider tax bracket before investing
Tax Calculation Example:
Investment: ₹9 lakh in MIS
Annual Interest: ₹66,600
Tax @ 30% slab: ₹19,980
Net Annual Income: ₹46,620
Effective Return: 5.18% post-tax
Smart Strategies to Maximize MIS Returns
- Ladder Investments: Open multiple accounts with different maturity dates
- Reinvest Monthly Interest: Put monthly income in RD for compound returns
- Joint Account Benefits: Utilize ₹15 lakh limit with spouse
- Combine with SCSS: If senior citizen, use both for optimal returns
- Tax Planning: Invest if in lower tax bracket
- Avoid Early Withdrawal: Plan for 5-year lock-in to avoid penalties
- Multiple Post Offices: Can open accounts at different branches
Post Office MIS Calculator - Reinvestment Options
Maximize returns by reinvesting monthly interest:
| Reinvestment Option | Additional Return | Total Effective Return | Risk Level |
|---|---|---|---|
| Post Office RD | 6.9% p.a. | ~8.5% | Zero |
| Bank FD | 7-7.5% p.a. | ~8.7% | Low |
| Mutual Fund SIP | 10-12% p.a.* | ~10% | Moderate |
| PPF Account | 7.1% p.a. | ~8.3% | Zero |
* Returns subject to market risks
Frequently Asked Questions About Post Office MIS Calculator
Q: What is the current Post Office MIS interest rate for 2025?
A: The current Post Office MIS interest rate is 7.4% per annum (Q3 2024-25), paid monthly. Government revises rates quarterly based on bond yields. Our Post Office MIS calculator 2025 uses the latest rate for accurate calculations.
Q: How much monthly income from ₹5 lakh in Post Office MIS?
A: ₹5 lakh invested in Post Office MIS at 7.4% gives monthly income of ₹3,083. Annual income is ₹37,000 and total 5-year interest is ₹1,85,000. Use our calculator for different amounts.
Q: Is Post Office MIS interest taxable?
A: Yes, Post Office MIS interest is fully taxable as per your income tax slab. No TDS is deducted by post office, but you must declare this income in ITR. Interest gets added to your total taxable income.
Q: Can I invest more than ₹9 lakh in Post Office MIS?
A: Single account limit is ₹9 lakh. However, you can invest up to ₹15 lakh through joint account. Multiple MIS accounts can be opened across different post offices within overall limit.
Q: What happens after 5 years Post Office MIS maturity?
A: Principal amount is returned on maturity after 5 years. You can reinvest in a new MIS account at prevailing interest rates. No auto-renewal facility available.
Q: Is premature withdrawal allowed in Post Office MIS?
A: Yes, premature withdrawal allowed after 1 year with penalty - 2% of principal (1-3 years) or 1% of principal (after 3 years). No withdrawal permitted in first year.
Q: Can senior citizens invest in Post Office MIS?
A: Yes, Post Office MIS is open to all age groups including senior citizens. However, SCSS offers better returns (8.2%) with tax benefits for 60+ aged individuals.
Q: Is Post Office MIS better than bank FD?
A: Post Office MIS offers 7.4% with monthly payout vs 7-7.5% for bank FDs. MIS has government guarantee and fixed 5-year tenure. FDs offer more flexibility in tenure and premature withdrawal.
Q: Can NRIs invest in Post Office MIS?
A: No, NRIs cannot open Post Office MIS account. Only resident Indians are eligible. Existing accounts can be continued if holder becomes NRI during tenure.
Q: How accurate is the Post Office MIS calculator?
A: Our MIS monthly income calculator provides 100% accurate results based on current 7.4% rate with exact monthly payout calculations matching post office computations.