Post Office Monthly Income Scheme (POMIS) Calculator
POMIS pays 7.4% a year (October–December 2026) as a fixed monthly income for 5 years, then returns your deposit. ₹9 lakh in a single account pays ₹5,550 a month.
How to use the Post Office MIS Calculator
- Enter the deposit (single account max ₹9 lakh; joint max ₹15 lakh).
- Keep the rate at 7.4% or enter your locked-in rate.
- See the monthly payout and total interest over 5 years.
Examples
₹9 lakh single account
Input: ₹9,00,000 @ 7.4%
Result: ₹5,550/month; ₹3,33,000 over 5 years
Frequently asked questions
Is the Post Office MIS rate fixed?
Yes. The rate when you open the account applies for the full 5 years, even if later quarters change the published rate.
Is MIS interest taxable?
Yes. MIS offers no tax deduction and the monthly interest is taxable at your slab rate.
Learn more
Estimates, not tax or legal advice. Results come from the published rules for the cases this calculator covers; your own circumstances can change them.
Last checked 2026-10-30 by the TakeHomeWorld editors · How we calculate and check rates · Runs entirely in your browser; nothing you type is stored.