When it comes to safe investments in India, the Post Office Monthly Income Scheme (MIS) stands out as one of the most trusted options. Backed by the Government of India, this scheme offers steady returns, making it highly attractive for retired individuals, working couples, and families who prefer guaranteed income without taking market risks.
In 2025, the scheme continues to be popular among couples who want fixed monthly income along with the security of their capital. One of the biggest advantages is that a couple can together invest a maximum amount under the scheme and earn up to ₹9,250 per month as interest. Let’s break down how this works and why it is one of the best financial choices for secure and stable returns.
What is Post Office MIS 2025?
The Post Office Monthly Income Scheme (MIS) is a fixed-income investment plan where individuals deposit a lump sum amount and receive monthly interest payouts. It’s not linked to the stock market or mutual funds, so there are no risks of fluctuation.
The current annual interest rate offered under Post Office MIS in 2025 is around 7.4% (subject to government updates every quarter). Interest is directly credited to the account holder’s savings account every month, ensuring a regular flow of income.
How Couples Can Earn ₹9,250 Every Month
Here’s how the returns are calculated for couples:
- The maximum investment allowed for a single account holder is ₹9 lakh.
- The maximum investment allowed for a joint account (couple) is ₹15 lakh.
- At the current interest rate of 7.4%, investing ₹15 lakh jointly can generate approximately ₹1,11,000 annually, which translates to around ₹9,250 per month.
This makes it an ideal plan for married couples looking to secure a guaranteed monthly income without the risk of losing their capital.
Key Features of Post Office MIS 2025
- Guaranteed Returns – Since it is a government-backed scheme, the returns are safe and assured.
- Flexible Investment – Minimum investment starts from ₹1,000 and goes up to ₹9 lakh (single) and ₹15 lakh (joint).
- Monthly Interest – Interest is credited every month, making it suitable for retirees or anyone who needs steady cash flow.
- Tenure – The scheme has a fixed lock-in period of 5 years. After maturity, you can reinvest or withdraw.
- Premature Withdrawal – Allowed after 1 year, but with certain conditions and penalties.
- Nomination Facility – You can nominate a beneficiary to ensure your money is safe for your family.
Why Couples Should Prefer MIS in 2025
- Double Investment Limit: Couples can invest jointly and take maximum advantage of the higher cap of ₹15 lakh.
- Stable Income: A fixed income of ₹9,250 monthly helps in household budgeting.
- Safe & Risk-Free: Unlike mutual funds or stock markets, the MIS returns are unaffected by market volatility.
- Ideal for Retired Couples: Perfect for senior citizens who want steady income without financial stress.
How to Open a Post Office MIS Account in 2025
Opening an MIS account is simple:
- Visit your nearest Post Office branch.
- Fill out the MIS account opening form.
- Provide required documents such as Aadhaar, PAN, and passport-size photographs.
- Deposit the investment amount (minimum ₹1,000).
- Choose single or joint account as per requirement.
- Once the account is active, interest will be credited to your savings account monthly.
Example Calculation
👉 If a couple invests ₹15 lakh jointly, the annual interest = ₹15,00,000 × 7.4% = ₹1,11,000.
👉 Monthly payout = ₹1,11,000 ÷ 12 = ₹9,250 approx.
This fixed payout continues for 5 years, making it a reliable income source.
Pros and Cons of Post Office MIS
Pros:
- Safe government-backed scheme
- Fixed monthly income
- Easy to open and operate
- No TDS deduction
Cons:
- Lock-in period of 5 years
- Returns are lower compared to equity or mutual funds
- Interest is taxable as per income tax slab
FAQs on Post Office MIS 2025
Q1. What is the maximum amount a couple can invest in Post Office MIS?
A couple can invest up to ₹15 lakh jointly in a Post Office MIS account.
Q2. How much monthly income can couples get from Post Office MIS in 2025?
At the interest rate of 7.4%, couples can earn around ₹9,250 per month by investing ₹15 lakh jointly.
Q3. Is the interest from MIS taxable?
Yes, the interest earned is fully taxable under the Income Tax Act. However, no TDS is deducted at the source.
Q4. Can I withdraw money before 5 years?
Yes, premature withdrawal is allowed after 1 year with applicable penalties.
Q5. Who should invest in Post Office MIS?
This scheme is best suited for retirees, couples, and individuals who want safe, risk-free, and fixed monthly returns.