Post Office Monthly Income Scheme Calculator
Post Office MIS monthly income at 7.4% on deposits up to ₹9 lakh (single) or ₹15 lakh (joint).
Monthly income
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Yearly income—
Income over 5 years—
How to use the Post Office Monthly Income Scheme calculator
- Enter deposit, interest rate and account type.
- Read the monthly income at the top of the result, with yearly income, income over 5 years underneath. It updates as you type.
- Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.
About this tool
MIS pays interest every month for 5 years and returns the deposit at maturity. Interest is not compounded unless you reinvest it.
Worked example
With deposit of ₹9,00,000, interest rate of 7.4% and account type of Single (max ₹9 lakh):
| Monthly income | ₹5,550 |
| Yearly income | ₹66,600 |
| Income over 5 years | ₹3,33,000 |
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
What is the maximum in Post Office MIS?
₹9 lakh in a single account and ₹15 lakh in a joint account.
Can I close MIS early?
After one year, with a deduction of 2% (before 3 years) or 1% (after 3 years) of the deposit.