Govt schemes
Post Office MIS Calculator
Monthly income from the Post Office scheme.
How to use this
Adjust the sliders and the result updates instantly. The figure uses standard formulas and current FY 2025-26 rates — treat it as an estimate to compare your options, then confirm the exact terms with your bank, fund or the department.
Monthly income
₹5.55K
Interest / 5yr₹3.33L
Principal back₹9L
₹9,00,000 in Post Office MIS pays ₹5,550/month for 5 years; principal returned at maturity.
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Explore monthly-income options
MIS, SWP & annuities.
Know the scheme: Post Office Monthly Income Scheme (POMIS)
| Interest rate | 7.4% p.a., paid out monthly |
| Tenure | 5 years |
| Deposit | ₹1,000 min; max ₹9 lakh (single) / ₹15 lakh (joint) |
| Tax | No 80C benefit; interest is taxable at your slab |
| Who can open | Resident individuals; minors above 10 can hold an account |
| Where to open | Any post office |
Key rules
- The monthly interest can be auto-credited to a savings or RD account at the same post office.
- Premature closure after 1 year: 2% of the deposit deducted before 3 years, 1% between 3 and 5 years.
- Principal is returned in full at maturity — the payouts are pure interest.
Frequently asked
Is the Post Office MIS Calculator free to use?
Yes — every Arthly calculator is free, with no sign-up or app install required.
How accurate is the Post Office MIS Calculator?
It uses standard financial formulas and current FY 2025-26 rates. Results are estimates to help you plan, not personalised financial advice — confirm details with your bank, fund or the relevant department.