🏛️ Post Office MIS Calculator
Calculate your Monthly Income from Post Office Monthly Income Scheme (POMIS)
Current Interest Rate: 7.40% per annum | Tenure: 5 Years
💡 Key Information:
• Minimum Investment: ₹1,000 (in multiples of ₹1,000)
• Maximum Investment: ₹9 Lakh (Single) / ₹15 Lakh (Joint)
• Lock-in Period: 5 Years | Monthly Interest Payout
• Government-backed scheme with capital protection
• Minimum Investment: ₹1,000 (in multiples of ₹1,000)
• Maximum Investment: ₹9 Lakh (Single) / ₹15 Lakh (Joint)
• Lock-in Period: 5 Years | Monthly Interest Payout
• Government-backed scheme with capital protection
📊 Investment Summary
Total Investment:
₹0
Interest Rate:
7.40% p.a.
Monthly Income:
₹0
Annual Income:
₹0
Total Interest (5 Years):
₹0
Maturity Amount:
₹0
⚠️ Premature Withdrawal Penalties
Before 1 Year:
Not Allowed
1-3 Years:
2% penalty on principal
3-5 Years:
1% penalty on principal
Amount after penalty (1-3 years): ₹0
Amount after penalty (3-5 years): ₹0
Amount after penalty (3-5 years): ₹0
Government Backed
100% Capital Protection
Monthly Income
Regular Monthly Payouts
Auto Transfer
Direct to Savings Account
Fixed Returns
Predictable Income Stream
📋 Disclaimer: This calculator provides estimates based on current interest rates and scheme rules. Actual returns may vary based on policy changes. Interest earned is taxable. No TDS is deducted, but you must declare interest income in your tax returns. Please consult with a Post Office official for the most current rates and terms before investing.