Post Office MIS Calculator
Turn a one-time deposit into monthly income at 7.4% for 5 years — principal returned at maturity.
Deposit details
Max ₹9 L single, ₹15 L joint account
Q2 FY 2026-27: 7.4%
Fixed 5-year tenure
Rate & data freshness
Default rate based on the latest official Government of India notification. Please verify the current rate before making financial decisions.
Monthly income
₹5,550
for 5 years — principal returned
- Yearly income
- ₹66,600
- Total interest (5 yrs)
- ₹3,33,000
- Principal returned
- ₹9,00,000
Interest is paid monthly. Principal is returned separately at end of 5 years.
How the math works
Monthly Income = P × r / 12 ; Maturity = P (principal returned)
- P
- One-time deposit
- r
- Annual rate (7.4% currently)
- Tenure
- 5 years fixed
How it works
- 1
Enter your one-time deposit (min ₹1,000, max ₹9 L single / ₹15 L joint account).
- 2
CalcPe applies the 7.4% rate and pays interest monthly.
- 3
Principal is returned at the end of the 5-year tenure.
- 4
Monthly payouts can be auto-credited to a linked savings account.
A quick walkthrough
Inputs
Deposit ₹9,00,000 in single POMIS account at 7.4% for 5 years.
Steps
- Monthly income = 9,00,000 × 7.4% / 12
- = ₹5,550
Result
Monthly income ₹5,550 · total 5-yr interest ₹3,33,000 · principal returned at maturity.
Why CalcPe’s Post Office MIS Calculator
- Guaranteed monthly cash flow — great for retirees.
- Government-backed — zero default risk.
- Higher rate than most savings accounts / short FDs.
- Can be transferred between post offices in India.