The post office has increased the investment limit in Monthly Income Scheme (MIS) 2025. Now maximum investment of Rs 9 lakh is allowed in a joint account and Rs 4.5 lakh in a single account. With this amendment, investors will be able to get the big benefit of fixed and secure income every month.
The Indian Post Office has launched a new Monthly Income Scheme (MIS) for 2025, which assures a fixed return on your money every month. In this scheme, the investor has to deposit a lump sum amount and in return he gets monthly income at an interest rate of 7.4 percent. This scheme is especially for those who want regular income for their daily expenses. Whether you invest alone or through a joint account, the post office has brought a reliable means of income for you with a complete investment system in this scheme. Let us know the benefits of this scheme and the complete process of investment.
Who can invest?
The minimum age required to invest in this scheme is 18 years. If you want to invest in the name of a minor, you can do so by opening a joint account, in which a maximum of three adults can join.
As per the 2025 amendment, the maximum investment limit in a single account has now been increased to Rs 4.5 lakh, while in a joint account the limit is up to Rs 9 lakh. This gives large families or joint investors an opportunity to deposit more money and earn better monthly income.
Income from investment amount
Taking into consideration the interest rate offered on Post Office MIS Scheme, we have prepared a detailed table of investment and monthly returns.
| Investment Amount | Annual interest rate | Annual Income | Monthly Income |
| ₹1,00,000 | 7.4% | ₹7,400 | ₹616.66 |
| ₹2,00,000 | 7.4% | ₹14,800 | ₹1,233.33 |
| ₹3,00,000 | 7.4% | ₹22,200 | ₹1,850.00 |
| ₹5,00,000 | 7.4% | ₹37,000 | ₹3,083.33 |
| ₹7,00,000 | 7.4% | ₹51,800 | ₹4,316.66 |
| ₹8,00,000 | 7.4% | ₹59,200 | ₹4,933.33 |
| ₹9,00,000 | 7.4% | ₹66,600 | ₹5,550.00 |
Suppose you invest a lump sum of Rs 9 lakh, then you will get a guaranteed income of about Rs 5,550 every month. On a quarterly basis, this amount becomes Rs 16,650, which can provide a lot of support in your monthly expenses.
Investment period 5 years
The investment period in this Post Office Monthly Income Scheme is 5 years. On completion of 5 years, you will have your investment amount along with the interest in your hands. During this period, you are guaranteed to get regular monthly income every month, which provides stability to your financial plans. This scheme is especially useful for those who avoid risk and want a stable income. Due to government guarantee and reliable service, it is considered a safe option.
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