Post Office MIS Scheme 2026: Har Mahine Fixed Income Ka Best Plan

🏦 Post Office MIS Scheme Kya Hai?

Post Office MIS Scheme (Monthly Income Scheme) ek government-backed saving scheme hai jisme investor ek baar lump sum amount invest karta hai aur uske badle har mahine fixed interest income milta hai. Yeh scheme un logon ke liye best hai jo regular monthly income chahte hain aur risk nahi lena chahte.

Yeh scheme specially senior citizens, retired persons, housewives aur conservative investors ke beech kaafi popular hai.

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🔐 Post Office MIS Scheme Ki Safety

Post Office MIS ek Government of India ki scheme hai, isliye isme risk bahut kam hota hai. Market fluctuation ka koi impact nahi padta.

👉 Is scheme me capital safety ke saath assured income milti hai.

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📌 Post Office MIS Scheme Ke Main Features

• Government backed scheme
• Fixed monthly income
• Low risk investment
• Single & Joint account available
• 5 years lock-in period

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💰 Minimum Aur Maximum Investment

Account Type	Minimum Investment	Maximum Investment
Single Account	₹1,000	₹9,00,000
Joint Account	₹1,000	₹15,00,000

👉 Investment amount ₹1,000 ke multiple me hona chahiye.

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📈 Post Office MIS Interest Rate

Post Office MIS ka interest rate government time-to-time revise karti hai.

👉 Current interest rate around 7% – 8% per annum ke beech hota hai (change ho sakta hai).

Interest monthly basis par pay hota hai.

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🧮 Post Office MIS Monthly Income Calculation

Formula:
Annual Interest = Investment × Interest Rate
Monthly Income = Annual Interest ÷ 12

Example 1

Investment = ₹5,00,000
Interest Rate = 7.4%

Annual Interest = ₹37,000
Monthly Income ≈ ₹3,083

Example 2

Investment = ₹9,00,000

Annual Interest = ₹66,600
Monthly Income ≈ ₹5,550

👉 Interest har mahine same rahega.

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🔁 Kya MIS Me Compounding Hota Hai?

Nahi ❌
Post Office MIS me simple interest hota hai.
Monthly interest principal me add nahi hota.

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⏳ Post Office MIS Tenure (Time Period)

• Lock-in Period: 5 Years
• 5 saal baad maturity hoti hai
• Maturity par sirf principal amount wapas milta hai

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🔓 Premature Withdrawal Rules

• 1 saal se pehle: Allowed nahi
• 1–3 saal ke beech: 2% penalty
• 3–5 saal ke beech: 1% penalty

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🧾 Taxation Rules

• Interest taxable hota hai
• TDS nahi katta
• Investor ko apne income slab ke hisab se tax pay karna hota hai

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👤 Eligibility (Kaun Account Open Kar Sakta Hai)

• Indian resident
• Individual
• Joint account holders
• Minor ke naam par guardian ke through

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🏤 Account Kahan Open Kare

• Nearest Post Office
• Required Documents:
  • Aadhaar Card
  • PAN Card
  • Address Proof
  • Passport Size Photo

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📊 Post Office MIS vs FD

Feature	MIS	FD
Income	Monthly	Maturity / Periodic
Risk	Low	Low
Tenure	5 Years	Flexible
Compounding	No	Yes

Post Office FD Scheme 2026 – Interest Rate, Benefits, Eligibility & Apply Online

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👍 Post Office MIS Scheme Ke Fayde

• Guaranteed monthly income
• Capital safety
• Simple process
• Suitable for retirees

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⚠️ Post Office MIS Scheme Ke Nuksan

• Inflation beating returns nahi
• Taxable interest
• No compounding benefit

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🔑 Kis Ke Liye Best Hai?

• Senior Citizens
• Retired employees
• Regular income chahne wale log
• Low-risk investors

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📌 Important Tips

• Current interest rate verify kare
• Tax planning ke saath invest kare
• Emergency fund alag se rakhe

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❓ FAQs – Post Office MIS Scheme

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⚠️ Disclaimer

Yeh article sirf educational purpose ke liye hai. Interest rates aur rules time-to-time change ho sakte hain. Investment se pehle apne nearest post office ya official website se latest details verify karein. Kisi bhi financial decision ke liye certified financial advisor se salah lena behtar hota hai.