The big change that the post office has made in the MIS scheme in 2025 is that now you can deposit up to Rs 9 lakh in a joint MIS account. On the other hand, if you are investing in a single account, then you can deposit only up to Rs 4.5 lakh.
Post Office MIS 2025: Indian Post Office has introduced the new Monthly Income Scheme (MIS) 2025. In this scheme, you will get guaranteed returns every month. In this scheme of the post office, you have to deposit a lump sum amount, on which you get 7.5% interest. Due to which you get a good income every month and your daily expenses are easily met.
Here we are telling you about the 2025 MIS scheme of the post office. If you deposit money in this scheme, you will earn Rs 18,350 every month. Let us know about the 2025 MIS scheme of the post office.
Who can invest in 2025 MIS Scheme
Any Indian can invest in this post office scheme, but his age should be more than 18 years. If you want to invest in the name of a minor, then you can invest by opening a joint account. Let us tell you that a maximum of 3 adults can invest in the post office MIS scheme by opening a joint account.
Investment limit increased in 2025 MIS scheme
The big change that the post office has made in the MIS scheme in 2025 is that now you can deposit up to Rs 9 lakh in a joint MIS account. On the other hand, if you are investing in a single account, then you can deposit only up to Rs 4.5 lakh. We are telling you below about the returns available in the MIS scheme of the post office.
| 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 |
How to get 16,650 rupees
If you invest Rs 9 lakh in the post office MIS scheme, you will get Rs 5,550 every month, which will be Rs 16,650 on a quarterly basis. Let us tell you that investment is made for 5 years in the post office MIS scheme.
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