Post Office: How much interest will be received every month on depositing Rs 4 lakh in Post Office MIS scheme?

Last Updated:November 10, 2025, 11:40 IST

Post Office MIS Scheme: Currently 7.4% interest rate is being given per annum in this scheme. This is considered an attractive interest rate. You can start investing in this scheme with a minimum of ₹ 1,000. A person can deposit a maximum amount of up to Rs 9 lakh.

Experts often say that invest and get big profits in the long run. But the biggest question remains that where to invest the money? Government schemes, bonds or bank deposit schemes give us guaranteed returns. There is no risk of any kind to our money in these.

Post Office runs many types of savings schemes for the general public. One of those schemes is Monthly Income Scheme (MIS). The specialty of this scheme is that you have to deposit it only once, and after that the fixed interest amount keeps coming to your account every month.

Currently, This Mis Scheme Is Offering An Interest Rate Of 7.4% Per Annum. This Is An Attractive Interest Rate. In This, You Can Start Investing With A Minimum Of Rs 1000. A Person Can Deposit A Maximum Of Rs 9 Lakh.

Currently the interest rate of this MIS scheme is 7.4% per year. This is a very attractive interest rate. In this you can start investing from ₹ 1,000 and can deposit a maximum of ₹ 9 lakh.

If You Want To Invest More Than Rs 9 Lakh, There Is An Opportunity For That Too. You Can Open A Joint Account. Under The High Office Mis Scheme, You Can Deposit A Maximum Of Rs 15 Lakh In A Joint Account. Maximum Three People Can Be Added To This Joint Account.

If you want to invest more than Rs 9 lakh, there is a facility for this also. You can open a joint account. Under the MIS scheme of the post office, a maximum of Rs 15 lakh can be deposited in the joint account. Up to three people can join this account.

Maturity Period Of This Scheme Is 5 Years. You Invest In Mis Scheme Only Once. After That, For 5 Years, The Fixed Monthly Interest Amount Will Continue To Be Credited To Your Bank Account. After Completion Of 5 Years, The Entire Original Amount Deposited By You Will Be Returned To Your Bank Account.

The maturity period of this scheme is 5 years. In MIS scheme, you deposit money once and after that, the fixed interest amount is deposited directly into your bank account every month for 5 years. After completion of five years, your entire principal amount deposited is returned.

Let Us Look At An Example. Under This Scheme, You Open A Joint Account With Your Partner And Jointly Deposit Rs 4 Lakh. As Per Current Interest Rate Of 7.4%, You Get Fixed Interest Amount Of Rs 2,467 Per Month.

Now let’s see an example. If you and your spouse jointly open a joint account and deposit Rs 4,00,000 in it, then at the current interest rate of 7.4%, you will get a fixed income of Rs 2,467 every month.

If you want to open an account in this scheme, then you must have a post office savings account. If you do not have this account, you will have to open a savings account first, only then you will be able to invest in Monthly Income Scheme (MIS).

Finally the most important thing. Your money remains completely safe in all the schemes of the post office. Because the Post Office is a government department under the control of the Government of India. Therefore, there is no need to worry about your deposit amount.