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Invest in This Post Office Scheme and Get ₹5,550 Every Month – Here’s How!
Whether you are planning for retirement, extra side income, or a safe investment for your family, the Post Office MIS can help you build a stable cash flow while keeping your capital secure.
In this blog, we’ll show you exactly how much to invest to get ₹5,550 monthly, the interest rates, benefits, and how you can start this plan easily.
What is Post Office MIS?
- Government-backed investment scheme.
- Provides fixed monthly interest payouts.
- Maturity period: 5 years.
- Maximum investment:
- ₹9 lakhs for a single account.
- ₹15 lakhs for a joint account.
Current Interest Rate (July 2025)
The Post Office MIS offers a 7.4% annual interest rate, paid monthly.
How to Get ₹5,550 Per Month from Post Office MIS
To calculate the investment required:
Monthly payout = (Principal x 7.4%) / 12
We want ₹5,550 per month:
[ \text{Principal} = \frac{₹5,550 \times 12}{0.074} = ₹9,00,000 ]
✅ To receive ₹5,550 per month, you need to invest the maximum limit of ₹9 lakhs in a single Post Office MIS account.
💹 Post Office MIS Investment vs. Monthly Income Chart
Below is a quick reference table showing how much monthly income you will get for different investment amounts in the Post Office MIS at 7.4% per annum:
| Investment Amount (₹) | Approx. Monthly Income (₹) |
|---|---|
| 50,000 | 308 |
| 1,00,000 | 616 |
| 2,00,000 | 1,233 |
| 3,00,000 | 1,849 |
| 5,00,000 | 3,082 |
| 7,50,000 | 4,623 |
| 9,00,000 (Max Limit) | 5,550 |
Note: The monthly income is rounded for simplicity and may slightly vary based on exact calculation.
Benefits of Post Office MIS
✅ Safe and secure investment backed by the Government of India.
✅ Fixed monthly income, ideal for senior citizens and those seeking stable cash flow.
✅ Auto credit to your Post Office Savings Account for convenience.
✅ Option to reinvest maturity amount in other Post Office schemes.
How to Start Investing in MIS
1️⃣ Visit your nearest Post Office with:
- Aadhar Card
- PAN Card
- Passport-size photo
- Address proof
2️⃣ Fill out the MIS application form.
3️⃣ Deposit the investment amount via cash, cheque, or Post Office Savings Account transfer.
4️⃣ Link your savings account for auto credit of monthly interest.
Is MIS Right for You?
The Post Office MIS is ideal if you:
- Want guaranteed monthly income.
- Prefer risk-free investment.
- Do not need liquidity for 5 years.
- Need stable cash flow post-retirement.
Conclusion
By investing in Post Office MIS, you can create a reliable, government-backed monthly income of ₹5,550 with a one-time investment of ₹9 lakhs, ensuring peace of mind for your financial planning.
Start your journey towards secure monthly income with Post Office MIS today!
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This guide provides comprehensive information for educational purposes. Always consult with financial advisors before making investment decisions.