- India,
- 17-Apr-2025 06:00 AM IST
What is the Post Office 2025 MIS Scheme?
The Post Office 2025 MIS Scheme is a fixed income scheme in which you deposit a lump sum amount and earn 7.5% annual interest on it. The interest amount is given to you every month as income. This scheme is ideal for retirees or those who need regular income for monthly expenses.
Who Can Invest in This Scheme?
Any Indian citizen above the age of 18 can invest in this scheme.
An account can also be opened in the name of a minor, but in such cases, a joint account facility may be availed.
A maximum of three adults can open a joint MIS account together.
What Has Changed in 2025?
The Post Office has made some important updates to this scheme in 2025:
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In a joint account, you can now invest up to ₹9 lakh.
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The investment limit for a single account has been set at ₹4.5 lakh.
How Much Return Will You Get?
Here’s a look at the monthly income based on different investment amounts:
| Investment Amount (₹) | 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 Will You Get ₹16,650 Every Quarter?
If you invest the maximum amount of ₹9 lakh, you will receive ₹5,550 as income every month. Accordingly, you will get a guaranteed income of ₹16,650 every quarter (i.e., every three months).
Scheme Duration
The total duration of this scheme is 5 years. This means, once you invest, you will continue to receive fixed monthly income for five years.