Looking for a steady monthly income with zero market risks? The Post Office Monthly Income Scheme (MIS) for 2025 might just be the perfect match. Backed by the Government of India, this small savings scheme is designed for conservative investors who want guaranteed returns and consistent monthly payouts. With the new interest rate updates and deposit limits for 2025, you can now earn ₹9,250 every month—and it’s easier than you think.

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

The Post Office MIS is a fixed-income saving scheme where you invest a lump sum amount and receive monthly interest as income. It’s ideal for:

Retirees seeking passive income
Homemakers and conservative investors
Parents planning minor’s future income

What’s New in Post Office MIS 2025?

The government has made some crucial updates for the 2025 cycle, including:

Revised interest rate: 7.7% per annum (as of Q1 FY 2025–26)
Increased investment limits – Now you can invest up to:
- ₹9 lakh for a single account
- ₹15 lakh for a joint account

These changes open the door for higher monthly payouts than previous years.

How to Earn ₹9,250 Monthly From Post Office MIS

To generate a monthly income of ₹9,250, here’s what your investment needs to look like:

Interest Rate: 7.7% per annum
Investment Amount: ₹15 lakh (maximum allowed in a joint account)
Annual Return: ₹1,15,500
Monthly Payout: ₹1,15,500 ÷ 12 = ₹9,625

So, with a joint MIS account and full investment of ₹15 lakh, you can comfortably receive ₹9,250+ every month.

Post Office MIS Interest Rate in 2025

The interest rate for MIS is revised quarterly by the Ministry of Finance. As of April–June 2025, the rate stands at:

✅ 7.7% per annum, payable monthly

This rate is fixed at the time of deposit and stays the same throughout the 5-year tenure.

Deposit Limit in 2025

The Post Office has set the following investment limits:

Single Account: ₹9 lakh maximum
Joint Account: ₹15 lakh (shared by both holders)

You can open multiple MIS accounts as long as your total investment doesn’t exceed the cap.

Eligibility Criteria

To open a Post Office MIS account in 2025, you must be:

A resident Indian citizen
At least 18 years of age
A minor above 10 years can also invest under a guardian’s supervision

NRIs are not eligible to invest in the scheme.

Account Types & Ownership

You can open:

A single account in your name
A joint account (up to 3 adults)
A minor account operated by a guardian

Joint accounts offer the best monthly payout and higher investment cap.

How to Open a Post Office MIS Account

Step-by-step:

Visit your nearest post office
Collect and fill Form-A
Submit ID proof, address proof, passport-size photos
Deposit amount via cheque or cash
Choose account type (single/joint)
Link your post office savings account for monthly payouts

The account opens immediately, and monthly interest begins from the date of deposit.

Monthly Interest Payouts: How They Work

Interest is credited monthly into your linked Post Office Savings Account
Payout date: Exactly one month after deposit date
You must manually withdraw or set up auto-transfer if required

No compounding takes place—interest is paid out, not reinvested.

Tax Implications

While MIS offers assured income, remember:

Interest earned is taxable under “Income from Other Sources”
No TDS is deducted by the post office
You’ll need to declare income while filing returns

Consider clubbing it with tax-saving investments to balance out the liability.

Benefits of Post Office MIS

✅ Guaranteed income every month
✅ Backed by Govt. of India
✅ No market risk
✅ Simple documentation
✅ Best for retirees and conservative investors

Limitations to Consider

❌ No compounding of interest
❌ 5-year lock-in period
❌ Premature withdrawal penalty applies
❌ No online account opening yet
❌ Not inflation-proof

Comparison With Other Monthly Income Options

Scheme	Interest Rate	Risk	Lock-In	Monthly Income
Post Office MIS	7.7%	None	5 years	₹9,250 on ₹15L
SCSS	8.2%	None	5 years	Higher for senior citizens
Bank FDs	~6.5–7%	Low	1–5 years	Varies
Mutual Fund MIPs	8–10% avg.	Moderate	No lock-in	Not guaranteed

MIS stands out for zero-risk and stable income, though it lacks tax efficiency.

Tips to Maximize Returns From MIS

Use joint accounts to invest the full ₹15 lakh
Reinvest the monthly ₹9,250 in recurring deposit or SIP
Combine with SCSS or PMVVY for diversified income

Final Thoughts

The Post Office MIS 2025 remains a fantastic choice for investors seeking stable monthly income without market exposure. With its increased limits and reliable payouts, it’s now easier than ever to earn ₹9,250 per month by simply saving smartly. Whether you’re retired or just want passive earnings, this scheme can secure your financial future with peace of mind.