Post Office MIS 2026 - Monthly Income Scheme 7.4%, Rs 9 Lakh Limit + Calculator
Verified by SkillUPBihar on 15 Jun 2026
Overview
Key Points:
Official Portal
India Post - verified link
Complete Guide
Post Office MIS 2026 - Har Mahine Fixed Income (7.4%)
Bhaiyon, ek baar paisa jama karke har mahine fixed income chahiye - bina market risk ke? Post Office Monthly Income Scheme (MIS/POMIS) isi ke liye hai - 7.4% interest (Q1 FY2026-27), aur har mahine interest seedha account me. SCSS se alag - isme koi age limit nahi, koi bhi adult khol sakta hai. Max Rs 9 lakh (single) / Rs 15 lakh (joint), 5 saal ke liye, capital 100% safe (sarkari guarantee). Ye guide: interest, monthly income calculation, eligibility, rules + account kaise khole - sab clear. Regular monthly income chahiye to ye FD se behtar option hai.
Quick: Lump-sum jama karo (max Rs 9 lakh single) → har mahine 7.4% ka interest account me → 5 saal baad poora capital wapas. Pension/rent jaisi regular income, bina kisi risk ke.
Quick Info
| Detail | Information |
|---|---|
| Interest Rate | 7.4% (Q1 FY2026-27) |
| Payout | Monthly (har mahine account me) |
| Max (Single) | Rs 9 lakh |
| Max (Joint) | Rs 15 lakh (up to 3 holders) |
| Min | Rs 1,000 |
| Tenure | 5 saal |
| Eligibility | Koi bhi adult (age limit nahi) |
| Tax | Interest taxable, no 80C (TDS nahi kat-ta) |
Monthly Income - Kitna Milega? (7.4% par)
| Deposit | Monthly Income (approx) | Yearly |
|---|---|---|
| Rs 1 lakh | ~Rs 616 | ~Rs 7,400 |
| Rs 5 lakh | ~Rs 3,083 | ~Rs 37,000 |
| Rs 9 lakh (max single) | ~Rs 5,550 | ~Rs 66,600 |
| Rs 15 lakh (max joint) | ~Rs 9,250 | ~Rs 1.11 lakh |
Interest har mahine (first deposit ke 1 month baad se) account me aata hai. Ye approximate hai (7.4% par) - rate govt har quarter revise karti hai, par deposit ka rate poore 5 saal fixed.
Eligibility + Rules
- Koi bhi resident adult account khol sakta hai (SCSS jaisa 60+ ki shart nahi)
- Minor ke naam pe guardian khol sakta (10+ minor khud bhi operate kar sakta)
- Joint account - max 3 log, equal share
- Ek person ke saare MIS accounts ka combined limit Rs 9 lakh (single holding)
- NRI eligible nahi
Tax + Withdrawal Rules
- Interest taxable hai (tumhari income me jud-ta) - par TDS nahi kat-ta
- No 80C deduction (SCSS/PPF jaisa tax benefit nahi)
- Premature withdrawal: 1 saal baad allowed -
- 1-3 saal: 2% deduction
- 3-5 saal: 1% deduction
- Maturity: 5 saal baad poora capital wapas (ya 5 saal aur extend/reinvest)
Interest ko monthly nikaalo (regular income) ya RD/savings me auto-transfer karwa ke compound bhi kar sakte ho.
Account Kaise Khole? (Step-by-Step)
- Nazdiki post office jaao (kuch banks bhi - par MIS mainly post office)
- MIS account opening form bharo
- Documents:
- Aadhaar + PAN
- Photo + address proof
- Deposit karo (min Rs 1,000, max Rs 9 lakh single) - cheque/cash
- Passbook milega - interest har mahine linked savings account me aayega
Interest seedha apne post office savings account me jata hai (ya auto-transfer set karwao). Apna savings account link karwana zaroori.
Post Office MIS vs SCSS vs FD
| Scheme | Interest | Payout | Best For |
|---|---|---|---|
| Post Office MIS | 7.4% | Monthly | Regular monthly income (any age) |
| SCSS | 8.2% | Quarterly | 60+ senior citizens |
| Bank FD | ~7% | Monthly/cumulative | Flexible tenure |
Regular monthly income chahiye + age 60 se kam = MIS best. 60+ ho to SCSS (zyada interest 8.2%, quarterly). Dono mila ke bhi use kar sakte ho.
Scam Warning
- "MIS me 12% return / double income" wale agents - FRAUD. Interest sirf 7.4% (govt-declared).
- Account sirf post office me khulta hai - kisi private agent ko cash mat do.
- Fake "post office scheme" links/calls - sirf India Post official.
Post Office MIS FAQs
Q: Post Office MIS ka interest rate kitna hai? A: 7.4% (Q1 FY2026-27), har mahine account me payout. Deposit ka rate poore 5 saal fixed.
Q: Kitna paisa jama kar sakte hain? A: Min Rs 1,000, max Rs 9 lakh (single) / Rs 15 lakh (joint). Tenure 5 saal.
Q: Kaun account khol sakta hai? A: Koi bhi resident adult (SCSS jaisa age limit nahi). Minor ke liye guardian. NRI nahi.
Q: Monthly kitna milega Rs 9 lakh pe? A: ~Rs 5,550/month (7.4% par). Har mahine seedha savings account me.
Q: Tax benefit milta hai? A: Nahi - 80C deduction nahi, interest taxable hai (par TDS nahi kat-ta).
Q: Paisa beech me nikaal sakte hain? A: 1 saal baad - premature withdrawal penalty ke saath (1-3 saal: 2%, 3-5 saal: 1%).
Ye Bhi Zaroor Padhein
- Senior Citizen Savings Scheme (SCSS) 8.2% - 60+ ke liye (zyada interest)
- PPF Account Open Online - Long-term tax-free
- NSC vs KVP Post Office Schemes - Aur safe schemes
- Sukanya Samriddhi (SSY) - Beti ke liye 8.2%
- Best FD Rates 2026 - FD se compare
Source: India Post / Ministry of Finance (indiapost.gov.in). Interest 7.4% Q1 FY2026-27. Verified 15 June 2026. Rate quarter-wise revise hota hai.
Bhai, ek baar ki bachat ko regular monthly income me badalna hai to MIS solid hai - 7.4% safe return, har mahine paisa, koi market risk nahi. Retired ho to SCSS (8.2%) pehle, baki MIS me. Pension jaisa har mahine fixed income, sarkari guarantee ke saath.
Paisa samjho, sahi decision lo
Finance tools aur comparisons - sab free hai
Finance Samjho, Aage Badho
Paisa manage karna seekho
Related Finance Articles
EPF Interest 2025-26
EPF interest 2025-26 kab aayega? Rate 8.25% confirmed (0.688% per month). Byaaj passbook mein June-August 2026 ke beech credit hota - delay se koi nuksan nahi (closing balance mein add). PF balance check (passbook/UMANG/SMS/missed call) - sab yahan.
Banking & Finance143(1) Intimation 2026
ITR ke baad income tax 143(1) intimation aaya? Ghabrao mat - ye normal hai (har ITR par aata). Isme department ki calculation aapki se match karke 3 result deta: nil (sab theek), refund, ya demand. Password = PAN+DOB. Kya kare, kaise jawab - sab yahan.
Banking & FinanceITR Last Date 2026
ITR last date 2026 (AY 2026-27) salaried ke liye 31 July 2026. Miss ho gayi to belated return 31 December tak (late fee 234F Rs 1,000/5,000 + 1% per month interest). Audit cases 31 Oct. Deadline, penalty, belated + ITR-U process - sab yahan.