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Looking for a safe, steady source of monthly income? The Post Office Monthly Income Scheme (MIS) is a favourite among Indians craving guaranteed returns with zero market risk. But if you deposit ₹2,00,000 in this scheme in 2025, how much will you get every month? Let’s break down the numbers and all the facts you need.
Current Post Office MIS Interest Rate (2025)
Interest Rate: 7.4% per annum (as of 2025).
Interest is paid out monthly.
Lock-in Period: 5 years (after which, full principal is returned to you).
Monthly Interest Calculation Formula
The formula is simple:
Monthly Interest=Deposit Amount×Annual Interest Rate12Monthly Interest=12Deposit Amount×Annual Interest Rate
Calculation for ₹2,00,000 Deposit
Monthly Interest=2,00,000×7.4%12=2,00,000×0.07412=₹1,233Monthly Interest=122,00,000×7.4%=122,00,000×0.074=₹1,233
Every month, you’ll receive ₹1,233 as interest for 5 years.
Total interest earned in 5 years: ₹1,233 × 60 = ₹73,980.
Key Features & Benefits
Capital Protection: 100% safe, government-backed.
Flexible Investment: Deposit any amount from ₹1,000 up to ₹9 lakh (single), ₹15 lakh (joint).
Steady Income: Fixed monthly payout to manage regular expenses.
No Market Risk: Interest rate is fixed for the tenure at the time of investment.
Short Summary Table
| Deposit | Monthly Interest | Total Interest in 5 Years | Principal Returned After 5 Years |
|---|---|---|---|
| ₹2,00,000 | ₹1,233 | ₹73,980 | ₹2,00,000 |
Read More: New Labour Codes May Make PF Contribution Voluntary To Protect Take Home Pay
