Post Office Saving Schemes: There has been no change in the interest rates of Post Office schemes in the fourth quarter of the financial year 2025-26, which started on January 1, 2025. This means investors will continue to receive attractive interest rates as before. The Post Office runs several savings schemes for the people of the country, one of which is the popular Monthly Income Scheme (MIS). Investing in this scheme allows you to receive the interest amount directly into your account every month. Through this scheme, you can get a fixed monthly income of up to Rs 5,550.
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Minimum Investment Amount
The Post Office MIS scheme offers an annual interest rate of 7.4 percent. A minimum amount of Rs 1,000 is required to open an account. A maximum of Rs 9 lakh can be deposited in a single account, while a maximum of Rs 15 lakh can be invested in a joint account. A joint account can have a maximum of 3 members. The investment in this scheme is a one-time payment, and after that, the interest amount is credited to your account every month for 5 years.
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Monthly Income
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The maturity period of the Monthly Income Scheme is 5 years. Upon maturity, your entire investment is returned. If you invest the maximum amount of Rs 9 lakh, a fixed interest of Rs 5,550 will be directly transferred to your Post Office savings account every month. To invest in this scheme, you must have a savings account in the Post Office. If you do not have an account, you will have to open one first before you can invest in the MIS.