Post Office MIS Calculator
Post Office MIS Calculator – Monthly Income Scheme Interest & Maturity Calculator 2025
Enter MIS Details
Calculate your monthly interest and maturity amount for
Post Office MIS.
Select the account type (Single or Joint).
Enter the investment amount (minimum Rs 1,000, max Rs 9,00,000 for Single, Rs 15,00,000 for Joint).
Select the tenure (1–5 years). Early withdrawal incurs 2% penalty (1–3 years) or 1% penalty (3–5 years).
Enter the annual interest rate (default 7.4% for 2025).
Your MIS Results
Principal Amount: ₹0.00
Monthly Interest: ₹0.00
Total Interest: ₹0.00
Penalty (if applicable): ₹0.00
Maturity Amount: ₹0.00
Results are based on a fixed 5-year tenure with simple interest paid monthly. Penalties apply for early withdrawal.
Disclaimer: The Post Office MIS Calculator is for estimation purposes only. Interest rates and penalties are subject to change by India Post. Visit www.indiapost.gov.in for details.
How to Use the Post Office MIS Calculator
✅ Select Account Type: Choose whether the MIS account is Single or Joint.
✅ Enter Investment Amount: In the first field, enter the amount you wish to invest in your MIS account.
✅ Select Tenure: Choose the tenure (1–5 years). Early withdrawal before 5 years incurs penalties.
✅ Enter Interest Rate: Input the annual interest rate (default is 7.4% for 2025).
✅ Calculate Results: Click the 'Calculate' button. The tool will instantly show you the monthly interest, total interest, penalty (if applicable), and the final maturity value.
FAQs – Post Office MIS
What is the current Post Office MIS interest rate for 2025?
The current interest rate for the Post Office Monthly Income Scheme (MIS) is 7.4% per annum (paid monthly) for the quarter starting April 1, 2025. Please note that these rates are revised by the government every quarter.
How is interest on a Post Office MIS calculated?
The interest on a Post Office MIS is calculated using simple interest, paid monthly. The formula is: Monthly Interest = (Investment Amount × Annual Interest Rate) / 12. The principal is returned at maturity, with penalties for early withdrawal (2% for 1–3 years, 1% for 3–5 years).
What is the minimum and maximum investment for a Post Office MIS?
The minimum investment for a Post Office MIS is ₹1,000. The maximum limit is ₹9,00,000 for a single account and ₹15,00,000 for a joint account.
What are the penalties for early withdrawal in Post Office MIS?
Early withdrawal before 1 year is not allowed. For withdrawals between 1–3 years, a 2% penalty is deducted from the principal. For withdrawals between 3–5 years, a 1% penalty is deducted. No penalty applies if held for the full 5-year tenure.
How to calculate MIS in Post Office?
Use the formula: Monthly Interest = (Investment × Annual Rate) ÷ 12. You can also use an online MIS calculator for accurate and fast results.
What is the interest on ₹15 lakh MIS in Post Office?
At 7.4% annual interest, ₹15 lakh will earn ₹9,250 per month (15,00,000 × 7.4% ÷ 12).
What is ₹9 lakh MIS in Post Office?
₹9 lakh is the maximum allowed in a single MIS account. At 7.4%, it gives ₹5,550/month as interest.
What is the interest on ₹15 lakh MIS in Post Office?
At 7.4% interest rate, ₹15 lakh gives ₹9,250 per month as monthly income in MIS.
What is ₹9 lakh MIS in Post Office?
₹9 lakh is the upper limit for a single account. Monthly interest = ₹5,550 at 7.4% annual rate.
Which is better: MIS or FD?
FDs may offer higher interest but MIS gives fixed monthly income. Choose MIS for regular income, FD for growth with compounding.
Can I withdraw MIS before maturity?
Yes, after 1 year with penalty. 2% penalty for 1–3 years, 1% for 3–5 years. No penalty after 5 years.