In case you are aiming at a low-risk way to generate a monthly income, then the Post Office Monthly Income Scheme (MIS) is a reliable option—you will get as much as ₹2,533 each month in 2025 with an investment of ₹4 lakh.
What Is the Post Office MIS Scheme?
The Post Office Monthly Income Scheme (MIS) is a government-supported savings plan which assures that it will be of total benefit to the investor in providing steady monthly interest income. It is very well-suited for old-aged people, housewives, and the like who are conservative investors and demand no-risk returns rather than the ones that are linked to the market with its inherent risks.
The current interest rate for MIS as of November 2025 is 7.6% p.a. It is paid every month. The lifespan of the scheme is 5 years, and at the end of the period, the original amount is returned.
How Much Monthly Interest on ₹4 Lakh?
As per the Post Office MIS Calculator, this is the profit you will make:
- Investment Amount: ₹4,00,000
- Annual Interest Rate: 7.6%
- Monthly Interest: ₹2,533
- Total Interest in 5 Years: ₹1,51,980
- Maturity Amount: ₹5,51,980 (Principal + Interest)
You can utilize the various online MIS calculators to see your returns according to different deposit amounts and interest rates.
Who Should Invest?
Those people who are thinking of investing can be:
- Elderly who are looking for an income source that is regular
- Cautious investors who will not touch stock market risks and thus prefer the lowest-risk path to investments
- Parents or guardians looking after their children’s educational and related expenses in the future.
The lowest limit of deposits is ₹1,000 while for the case of a single account it is ₹9 lakh at maximum. When it comes to joint accounts, the ceiling rises to ₹15 lakh.
Expert Insights
The financial consultant community endorses MIS for both the capital and income preservation. “It is a wonderful channel for creating a diversified portfolio with fixed income,” asserts Amit Giri, a financial writer.
On the other hand, keep in mind that the interest earned from MIS is subject to taxation, and it does not fall under the scope of Section 80C for claiming tax benefits. In addition, a total withdrawal of the depositor’s amount along with a part of the interest may be allowed after one year with an imposition of a penalty.
Conclusion
The Post Office MIS Calculator 2025 clearly helps one to fathom the financials better. One can withdraw over ₹2,500 monthly on a deposit of just ₹4 lakh, thereby making it an excellent alternative for income seekers who expect government-assisted regularly. This scheme caters to all economic classes, retired ones, or anyone wanting a minimum-risk investment, as it is the MIS that guarantees both serenity and consistency in returns.
