Post Office MIS Calculator

Find the monthly income from a Post Office MIS deposit.

Last updated: 13 Aug 2026

Quick answer

Post Office Monthly Income Scheme pays monthly interest: monthly income = principal × rate ÷ 1200. For example, ₹9,00,000 at 7.4% pays about ₹5,550 a month. Enter your deposit and rate above.

Deposit amount

₹

Interest rate

% p.a.

The Post Office Monthly Income Scheme (MIS) pays interest every month: monthly income = principal × annual rate ÷ 1200.

How to calculate Post Office MIS income

1 Enter your MIS deposit amount.
2 Enter the current MIS interest rate.
3 We show your monthly income.

Frequently asked questions

How is MIS monthly income calculated?

Multiply the deposit by the annual rate and divide by 1200 (12 months × 100).

What is the MIS deposit limit?

Limits are revised by the government; check the current single and joint account limits at the post office.

Is MIS interest taxable?

Yes, the interest is taxable at your slab rate; there is no TDS on Post Office MIS.

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