Post Office MIS 2026 - Monthly Income Scheme 7.4%, Rs 9 Lakh Limit + Calculator

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

Monthly Income - Kitna Milega? (7.4% par)

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)

1. Nazdiki post office jaao (kuch banks bhi - par MIS mainly post office)
2. MIS account opening form bharo
3. Documents:
   • Aadhaar + PAN
   • Photo + address proof
4. Deposit karo (min Rs 1,000, max Rs 9 lakh single) - cheque/cash
5. 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

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.