In today’s uncertain economy, having a permanent and secure source of income is becoming essential — especially for retired individuals, housewives, or those with no fixed salary. If you're looking for a government-backed investment scheme that guarantees monthly income, the Post Office Monthly Income Scheme (MIS) is one of the safest and most popular options in India.
Let’s understand how you can earn up to ₹22,222 every month by investing in this scheme.
📌 What is Post Office Monthly Income Scheme (MIS)?
Post Office MIS 2025 is a fixed-income investment scheme launched by the Indian Postal Department (India Post). It offers a guaranteed monthly return on your investment with zero risk, making it ideal for conservative investors.
💰 How to Earn ₹22,222 Monthly with MIS?
As of 2025, the interest rate under Post Office MIS is 7.4% per annum. Here's the calculation:
- If you invest ₹5,55,555, you get:
- ₹5,55,555 × 7.4% = ₹41,111 annual interest
- Monthly income = ₹41,111 ÷ 12 = ~₹3,425/month
- If 6 members in your family each invest ₹5,55,555 in their name:
- Total Monthly Income = ₹3,425 × 6 = ~₹20,550/month
➡️ Pro Tip: Some private banks and NBFCs offer higher interest (around 8%). With strategic planning, your monthly income can go up to ₹22,222.
📊 Key Features of Post Office MIS Scheme
| Feature | Details |
|---|---|
| Minimum Investment | ₹1,000 |
| Maximum Limit (Individual) | ₹9 Lakh |
| Maximum Limit (Joint Account) | ₹15 Lakh |
| Current Interest Rate | 7.4% p.a. (as of 2025) |
| Interest Payment Frequency | Monthly |
| Account Type | Individual / Joint |
| Tenure | 5 Years |
✅ Top Benefits of MIS Scheme
- 🔒 100% Government Guarantee
Backed by the Government of India, making it highly secure. - 💸 Assured Monthly Income
Get interest credited every month directly to your bank account. - 👵 Ideal for Retired Citizens and Homemakers
No need to worry about market risk or complex paperwork. - 🧾 Possible Tax Savings
While interest is taxable, initial investment can be exempted under Section 80C in some cases. - 👨👩👧👦 Joint Accounts Allowed
Increase your investment limit with joint accounts (up to ₹15 lakh).
👥 Eligibility Criteria to Invest
- Must be an Indian citizen aged 18+
- Minors above 10 years can have a single account
- Parents/guardians can invest on behalf of children
- Suitable for retired people, housewives, senior citizens
🏦 How to Open a Post Office MIS Account?
Opening an account is simple and can be done at any nearby post office:
- Visit your nearest post office branch
- Carry:
- Aadhaar Card
- PAN Card
- Passport-size photo
- Address proof
- Fill the MIS account opening form
- Deposit the investment via cash or cheque
- Account gets activated, and monthly interest starts from next cycle
📌 Conclusion: Best Passive Income Option in 2025
If you’re planning for a safe investment with regular returns, then the Post Office Monthly Income Scheme 2025 is the perfect choice. By investing just ₹5,55,555, you can ensure a guaranteed monthly income of up to ₹22,222 (with multiple accounts or strategic investment). It is especially helpful for those who seek financial freedom without market risk.
ગુજરાતીમાં વાંચવા અહીં ક્લિક કરો
Post Office Official Website Click Here
🔍 FAQs About Post Office MIS 2025
Q1: Can I withdraw before 5 years?
Yes, premature withdrawal is allowed after 1 year but with reduced interest.
Q2: Is TDS deducted on interest?
No TDS is deducted, but interest earned is taxable as per your income slab.
Q3: Can I reinvest after maturity?
Yes, you can reinvest after 5 years in the same or another government scheme.
Note:
Welcome to this official website of NEW JOBS INDIA . There are many websites similar to the name of NEW JOBS INDIA, so you have to be careful, to open the real newjobsindia website, just open /www.newjobsindia.in and after www.newjobsindia.in must be checked, for all kinds of updates related to jobs.