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Post Office MIS Calculator

↻ Updated FY 2026-27

See the monthly income from the Post Office Monthly Income Scheme (POMIS). Enter your investment to get a fixed monthly payout, with the principal returned at maturity.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Investment amount

Max ₹9 lakh (single)

Interest rate

Monthly income

₹5,550

at 7.4% p.a.

Annual income

₹66,600

12 monthly payouts

Total income (5 yr)

₹3,33,000

principal returned at end

Income summary

Amount invested₹9,00,000

Monthly income₹5,550

Annual income₹66,600

Total income over 5 years₹3,33,000

Maturity (principal back)₹9,00,000

ASSUMPTIONS — The Post Office Monthly Income Scheme pays a fixed monthly income of investment × rate ÷ 12; the principal is returned in full after the 5-year term. The maximum is ₹9 lakh for a single account and ₹15 lakh for a joint account. The rate shown is for the Jul–Sep 2026 quarter and is revised quarterly by the Ministry of Finance. Monthly income is taxable.

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Sources & rate references

·Ministry of Finance — small savings interest rates (Jul–Sep 2026) — PPF 7.1%, SSY 8.2%, SCSS 8.2%, NSC 7.7%, KVP 7.5%, POMIS 7.4% — unchanged

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.