Post Office MIS Calculator
By Sagar Kumar · Updated 25 October 2026
Find your monthly income from the Post Office Monthly Income Scheme (POMIS) and the total interest over 5 years.
| Yearly income | — |
| Total interest in 5 years | — |
| Deposit returned at maturity | — |
| Total you receive | — |
Rates shown are the Government of India rates for October–December 2026 (unchanged from the previous quarter). Rates are reviewed every quarter — you can edit the rate field.
Formula
₹9,00,000 × 7.4% ÷ 12 = ₹5,550 a month. The deposit is returned in full after 5 years.
Monthly income for common deposits (7.4%)
| Deposit | Monthly income | Interest in 5 years |
|---|---|---|
| ₹1,00,000 | ₹617 | ₹37,000 |
| ₹2,00,000 | ₹1,233 | ₹74,000 |
| ₹3,00,000 | ₹1,850 | ₹1,11,000 |
| ₹5,00,000 | ₹3,083 | ₹1,85,000 |
| ₹9,00,000 | ₹5,550 | ₹3,33,000 |
| ₹15,00,000 | ₹9,250 | ₹5,55,000 |
हिंदी में समझें
पोस्ट ऑफिस मंथली इनकम स्कीम में अभी 7.4% ब्याज हर महीने मिलता है। ₹9 लाख जमा करने पर हर महीने ₹5,550 मिलेंगे। सिंगल खाते में अधिकतम ₹9 लाख और जॉइंट में ₹15 लाख जमा कर सकते हैं। 5 साल बाद पूरी जमा राशि वापस मिलती है।
Frequently asked questions
How much monthly income will I get from ₹9 lakh in Post Office MIS?
₹5,550 a month at the current 7.4% rate (₹9,00,000 × 7.4% ÷ 12). Over 5 years that is ₹3,33,000 of interest, and the ₹9 lakh is returned at maturity.
What is the Post Office MIS interest rate now?
7.4% a year, paid monthly, for October–December 2026. The rate on the day you open the account is fixed for 5 years.
What is the maximum investment in Post Office MIS?
₹9 lakh in a single account and ₹15 lakh in a joint account (up to 3 adults). Minimum ₹1,000.
Can I close Post Office MIS early?
Not in the first year. Between 1 and 3 years, 2% of the deposit is deducted; between 3 and 5 years, 1% is deducted.
Is Post Office MIS interest taxable?
Yes. The monthly interest is added to your income and taxed at your slab rate. There is no Section 80C benefit, but no TDS is deducted.
Official sources: India Post · National Savings Institute