Post Office MIS Scheme: Under this scheme money has to be deposited once. After this, every month you will get interest money like pension. In this superhit scheme, your deposits are also returned after five years. Know about it in detail.
New Delhi: Post Office MIS Scheme: Post Office Scheme is safe and secure. The Post Office keeps on launching the Dhansu scheme from time to time. Today we are telling you about such a superhit scheme which will give you good profits. Under this scheme (Post Office MIS Scheme Benefits), you have to deposit money once and then you get interest money like pension every month. Apart from this, a lump sum money is also returned on the maturity of the scheme. Let us know about this special scheme.
What is this scheme?
This post office scheme is- Post Office Monthly Income Scheme Account (MIS). Money can be deposited in this scheme at least in multiples of 1000 and 100. In this you can deposit maximum 4.5 lakh rupees. Note that this limit is for a single account. At the same time, the maximum limit for a joint account is Rs 9 lakh. A maximum of three people can open a joint account under this scheme. Also, if a child is a minor, an account can be opened in the name of his parents. Let us tell you that after 10 years post office MIS account can be opened in the name of the child also.
Minimum 1000 rupees can be deposited
The payment under this scheme is monthly. At present, the interest rate is 6.6 percent, which is available on the basis of simple interest. Interest is calculated on an annual basis. But, if the account holder does not claim monthly interest in this, then he will not get the benefit of additional interest on this money.
5 years maturity
The maturity of this post office scheme is 5 years. You cannot withdraw money from it until one year after the account is opened. If you want to close it within 1-3 years, then 2% of your principal amount will be deducted. At the same time, a penalty of 1 percent will be deducted for closing the account within 3-5 years.
Rs.2475 per month on deposit of 4.5 lakhs
Accordin
g to the MIS calculator, if someone deposits 50 thousand rupees once in this account, then every month he will get 275 rupees i.e. 3300 rupees every year for five years. That is, in five years, he will get a total of Rs 16500 as interest. Similarly, if someone deposits 1 lakh, then he will get Rs 550 every month, Rs 6600 every year and Rs 33000 in five years. On depositing 4.5 lakhs in this scheme, you will get Rs 2475 monthly, Rs 29700 annually and Rs 148500 in the route of interest in five years.
