Earn a Fixed Monthly Income of ₹9,250 With Post Office Monthly Income Scheme — Safe, Simple, and Guaranteed Returns

When it comes to safe and guaranteed investment options, Post Office schemes have always been among the most trusted in India. Whether it’s for savings, retirement planning, or steady monthly income, the Post Office Monthly Income Scheme (MIS) is a favorite among conservative investors. This plan provides assured monthly returns with minimal risk — making it ideal for couples, senior citizens, and salaried individuals looking for regular income without market fluctuations.

Let’s understand how you can open a joint MIS account with your wife and earn up to ₹9,250 every month by making a one-time deposit.

What Is the Post Office Monthly Income Scheme (MIS)?

The Post Office Monthly Income Scheme is a fixed-income savings plan that allows investors to deposit a lump sum once and earn monthly interest payouts. The key attraction of this scheme is the guaranteed return — your principal remains safe, and the interest you earn is credited directly to your bank or post office savings account every month.

This scheme is backed by the Government of India, making it one of the most reliable and risk-free investment options in the small savings category.

Interest Rate, Deposit Limit, and Tenure

As of October 2025, the interest rate on MIS stands at 7.4% per annum.

• The minimum investment required to open an MIS account is ₹1,000.

• A single account can hold up to ₹9 lakh, while a joint account (which can include up to three people) allows a maximum deposit of ₹15 lakh.

• The scheme has a fixed tenure of 5 years, after which your invested amount is returned in full.

This structure makes it a great option for investors seeking both steady income and capital protection.

How to Earn ₹9,250 Every Month

If you open a joint account with your spouse and invest the maximum permissible amount of ₹15 lakh, here’s how your earnings are calculated:

• Annual interest: 7.4% of ₹15,00,000 = ₹1,11,000

• Monthly interest income: ₹1,11,000 ÷ 12 = ₹9,250 per month

That means your ₹15 lakh deposit can generate a steady monthly income of ₹9,250, credited directly to your account. Over five years, you’ll earn about ₹5.55 lakh in total interest, while your principal remains safe and is fully returned upon maturity.

This predictable income stream is particularly beneficial for retirees, homemakers, or couples seeking an additional source of monthly cash flow.

Eligibility and Account Opening Process

To open an MIS account, you need to have a Post Office savings account. The process is simple and can be completed at any local post office branch.

You’ll need the following documents:

• Proof of identity (Aadhaar card, PAN card, or voter ID)

• Proof of address

• Passport-size photographs

• A joint account form if you’re opening the account with your spouse or family member

Once the account is opened, the monthly interest starts accumulating immediately from the next month.

Interest Rates on Other Major Post Office Schemes (as of 2025) Scheme Name Annual Interest Rate Compounding/Payment Type

Post Office Savings Account (SB)	4%	Annual
Recurring Deposit (RD)	6.7%	Quarterly Compounding
Monthly Income Scheme (MIS)	7.4%	Monthly Payout
Senior Citizens Savings Scheme (SCSS)	8.2%	Quarterly
Public Provident Fund (PPF)	7.1%	Annual Compounding
Sukanya Samriddhi Yojana (SSA)	8.2%	Annual Compounding
National Savings Time Deposit (TD)	6.9% – 7.5%	Based on tenure
Kisan Vikas Patra (KVP)	7.5%	Amount doubles in 115 months (9 years 7 months)

These rates are revised periodically by the government, but the MIS rate of 7.4% is among the best for low-risk fixed-income investors.

Why Couples Prefer Joint MIS Accounts

A joint MIS account allows couples to pool their savings, maximize the deposit limit, and receive higher monthly interest. It’s an excellent option for:

• Retired couples seeking post-retirement income

• Working couples looking for an additional passive source of income

• Families who want stable returns without exposure to market volatility

Since the income is fixed and predictable, it helps in better budget planning and financial stability.

Final Thoughts

The Post Office Monthly Income Scheme is a perfect blend of safety, simplicity, and steady income. By opening a joint account with your wife, you can earn up to ₹9,250 per month and ensure a guaranteed return on your investment.

With rising financial uncertainty and fluctuating market trends, this scheme offers peace of mind — making it one of the most trusted government-backed savings options for Indian households.