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The Indian Post Office has launched a new Monthly Income Scheme (MIS) for 2025, which assures a fixed return on your money every month. In this scheme, the investor has to deposit a lump sum amount, and in return, they get a monthly income at an interest rate of 7.4 percent. This scheme is especially for those who want a regular income for their daily expenses. Whether you invest alone or through a joint account, the post office has brought a reliable means of income for you with a complete investment system in this scheme. Let us know the benefits of this scheme and the complete investment process.

Who can invest?

The minimum age to invest in this scheme must be 18 years. If you want to invest in the name of a minor, then you can do this by opening a joint account, in which a maximum of three adults can join.

As per the 2025 amendment, the maximum investment limit in a single account has now been increased to Rs 4.5 lakh, while in a joint account, the limit is up to Rs 9 lakh. This gives a large family or joint investors an opportunity to deposit more money and earn a better monthly income.

Income from investment amount

Keeping in mind the interest rate offered on the Post Office MIS scheme, we have prepared a detailed table of investment and monthly returns.

Investment Amount Annual Interest Rate Annual Income Monthly Income
₹1,00,000 7.4% ₹7,400 ₹616.66
₹2,00,000 7.4% ₹14,800 ₹1,233.33
₹3,00,000 7.4% ₹22,200 ₹1,850.00
₹5,00,000 7.4% ₹37,000 ₹3,083.33
₹7,00,000 7.4% ₹51,800 ₹4,316.66
₹8,00,000 7.4% ₹59,200 ₹4,933.33
₹9,00,000 7.4% ₹66,600 ₹5,550.00

Suppose you invest a lump sum of Rs 9 lakh, then you will get a guaranteed income of about Rs 5,550 every month. Every quarter, this amount becomes Rs 16,650, which can provide a lot of support in your monthly expenses.

Investment period 5 years
The investment period in the Monthly Income Scheme of the Post Office is 5 years. On completion of 5 years, you will have your investment amount along with the interest in your hands. During this time, you are guaranteed to get a regular monthly income, which provides stability to your financial plans. This scheme is especially useful for those who avoid risk and want a stable income. Due to government guarantee and reliable service, it is considered a safe option.