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Post Office MIS Calculator

Work out the fixed monthly income from a Post Office Monthly Income Scheme deposit.

₹
%
Yrs

Scenario Analysis (Assumed Returns)

Conservative

5.4%

6,50,389

Base

7.4%

7,14,482

Higher

9.4%

7,83,532

Labels are estimates based on your base rate (7.4%).

Estimated Maturity Value

₹5,00,000

Total Principal

₹5,00,000

Estimated Returns

₹1,85,000

Portfolio Mix

Invested
Returns

Growth Curve

You invest ₹5,00,000 every month for 5 years. At an estimated 7.4% annual return, your total investment is ₹5,00,000 and the estimated total value is approximately ₹5,00,000. Around ₹1,85,000 represents estimated growth.

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How it works

The Post Office Monthly Income Scheme pays interest every month on your deposit at a rate set by the government, and returns the full deposit at the end of five years. The capital does not grow — only the monthly payout matters.

The formula

Monthly income = Deposit × Rate ÷ 12
Deposit
Amount placed in the scheme
Rate
Annual interest rate notified by the government

Worked example

₹9,00,000 at 7.4% pays about ₹5,550 every month for five years, with the ₹9,00,000 returned at the end.

Pro tips

  • Limits are ₹9 lakh for a single account and ₹15 lakh for a joint account.
  • Interest is taxable — there is no TDS, so declare it yourself.

Common mistakes

  • Expecting the deposit itself to grow — it does not.
  • Withdrawing early, which carries a penalty.

Go deeper

Concepts to explore

Small savings schemesRegular income options

Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.