Post Office MIS Calculator (POMIS)
Monthly income from POMIS — ₹9/15 lakh caps, the 5-year structure and pairing with RD for compounding.
Formula
Disclaimer: Interest rates shown are recent indicative values — banks revise FD cards and the government notifies small-savings rates quarterly. Verify the current rate before investing. Not financial advice.
Need post office mis calculator results fast? Skip the spreadsheet and get a clear, defensible answer in one step — free, private and instant, recalculating live as you change any input.
About Post Office MIS Calculator (POMIS)
POMIS is the post office's income machine: park a lump sum for 5 years, receive simple interest EVERY MONTH (₹9 lakh at 7.4% pays ₹5,550), and take the full principal back at maturity. Caps were enhanced in 2023 to ₹9 lakh (single) and ₹15 lakh (joint) — a joint senior couple can engineer ₹9,250/month of sovereign-guaranteed income from POMIS alone. The classic POMIS+RD combo deserves its fame: the monthly payout doesn't compound by itself (that's the cost of income), but routing it into a 5-year post-office RD at the same counter rebuilds the compounding — at the defaults, the ₹5,550/month RD matures to ~₹3.95 lakh, lifting the package's effective return meaningfully above the headline 7.4%. For households that don't NEED to spend the income, the combo converts an income product back into a growth product with zero market risk. Placement within the retiree stack: SCSS first for seniors (higher rate, quarterly payout, ₹30 lakh cap), then POMIS for monthly granularity and for under-60 members (POMIS has NO age requirement — it's the family's universal income scheme), then bank payout FDs. Interest is taxable at slab (no TDS deducted at the PO — plan advance tax accordingly), and premature exit carries small haircuts (2% of principal in years 1-3, 1% in years 4-5) — gentle enough that POMIS doubles as a fair-exit parking spot.
How to use Post Office MIS Calculator (POMIS)
- 1Enter Investment (max ₹9L single / ₹15L joint), POMIS rate (notified quarterly) (%) into the Post Office MIS Calculator.
- 2The result is computed automatically using Monthly income = investment × rate ÷ 12 — simple interest paid out monthly; principal returns intact at year 5 — there is no button to press; it updates live as you type.
- 3Change any input to model a different scenario, then use “Copy result link” to share the exact numbers.
Why use Post Office MIS Calculator (POMIS)?
- ✓Computes post office mis calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter are never uploaded or stored
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
₹9 lakh POMIS se monthly kitna milta hai?+
7.4% par ₹5,550/month — saal ke ₹66,600, paanch saal me ₹3.33 lakh, aur maturity par poora ₹9 lakh wapas. Joint account me ₹15 lakh tak: ₹9,250/month. Yaad rahe yeh SIMPLE interest hai — compounding chahiye to payout ko RD me daalna hi formula hai.
POMIS+RD combo kaise kaam karta hai?+
MIS ka monthly interest standing instruction se usi post office ki 5-saal RD me chala jata hai. Defaults par: ₹5,550/month ki RD 6.7% par ~₹3.95 lakh banati hai — yaani 5 saal baad aapke paas ₹9 lakh (principal) + ₹3.95 lakh (compounded income) dono. Effective package return ~8.1% ke aas-paas nikal aata hai, poori tarah sovereign-backed.
Kya POMIS sirf seniors ke liye hai?+
Nahi — koi bhi adult khol sakta hai (minor ke liye guardian bhi), 10 saal+ ka minor khud bhi. Isliye family-level planning me yeh universal income slot hai: SCSS sirf 60+ ke liye hai, POMIS sab ke liye. Couple dono apne-apne single accounts (₹9-9 lakh) + ek joint (₹15 lakh) tak structure kar sakte hain — caps per-person aggregate rules ke saath.
5 saal se pehle paisa nikalna pade to?+
1 saal se pehle bilkul nahi. 1-3 saal me principal ka 2% kat kar, 3-5 saal me 1% kat kar milta hai — FD ke applicable-rate-reset se kahin gentle. Phir bhi planning yahi ho ki MIS ka paisa 5 saal ke liye hi ho; beech ki zarooraton ke liye alag liquid bucket rakhein.
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