Post Office MIS Scheme Calculator (POMIS)
The Post Office Monthly Income Scheme (POMIS) is a reliable government-backed scheme offering a guaranteed monthly income on your lump sum investment. It has a tenure of 5 years and provides sovereign safety for your capital.
Instantly calculate your monthly income with our official Indian Post Office MIS Calculator. Enter your investment amount to see your monthly earnings based on the current interest rates for both single and joint account holders.
Last Updated: May 16, 2026
Input Details
Frequently Asked Questions
Investment Comparison
| Feature | Post Office MIS | Bank FD | SCSS |
|---|---|---|---|
| Eligibility | Resident Indian Adult | Resident Indian Adult | Indians above 60 |
| Interest Payout | Monthly Only | Flexible Options | Quarterly Only |
| Tenure | 5 Years Fixed | 7 Days to 10 Years | 5 Years (+3 ext) |
| Tax Benefit (80C) | No | Yes (for 5Y FD) | Yes |
Practical Scenario
Imagine a retired couple investing тВ╣15,00,000 in a joint account. At 7.4%, they secure a guaranteed monthly income of тВ╣9,250 for 5 years.
Portfolio Optimization
Use MIS for regular utility bills & expenses.
Reinvest surplus monthly income in RD for growth.
Keep 20% in liquid funds for emergencies.