Post Office Monthly Income Scheme (MIS) un logon ke liye bani hai jo ek baar rakam jama karke har mahine pakki aay chahte hain — jaise retired log (unke liye Senior Citizens Savings Scheme bhi ek vikalp hai) ya ghar ka kharcha chalane wale parivar. Oct–Dec 2026 me is yojana par 7.4% salana byaaj mil raha hai, jo har mahine aapke khate me aata hai.
Post Office Monthly Income Scheme Kya Hai?
MIS me aap ek saath (lump sum) paisa jama karte hain. Us par milne wala byaaj har mahine aapke Post Office Savings Account me jama hota hai. 5 saal poore hone par aapki mool rakam wapas mil jati hai. Byaaj compound nahi hota — jo banta hai, wohi mahine-mahine milta hai. Har mahine thodi-thodi rakam jama karke bachat karna chahte hain to Post Office RD bhi dekh sakte hain.
2026 Me MIS Par Kitna Byaaj Aur Kitni Monthly Aay?
Vitt Mantralaya ki 30 September 2026 ki adhisoochna ke anusar Oct–Dec 2026 timahi me byaaj dar 7.4% salana hai.
- ₹9,00,000 (single account, adhiktam) par Post Office Monthly Income Scheme me: lagbhag ₹5,550 har mahine
- ₹15,00,000 (joint account, adhiktam) par: lagbhag ₹9,250 har mahine
- ₹5,00,000 par: lagbhag ₹3,083 har mahine
Yeh rakam byaaj dar ke hisab se anumanit hai; khata kholte samay ki dar 5 saal tak lagu rehti hai.
MIS Ke Niyam — Seema, Avadhi, Nikasi
- Nyuntam jama: ₹1,000 (₹1,000 ke gunaj me)
- Adhiktam: single khate me ₹9 lakh, joint khate me ₹15 lakh (sabhi MIS khaton ko milakar)
- Avadhi: 5 saal
- Kaun khol sakta hai: vayask, 10 saal se upar ka nabalik (khud ya abhibhavak ke zariye), adhiktam 3 vayaskon ka joint khata
- Samay se pehle band: 1 saal se pehle nahi; 1–3 saal me band karne par mool rakam se 2% katoti, 3–5 saal me 1% katoti
MIS Me Tax Ka Niyam
- Har mahine milne wala byaaj poori tarah tax yogya hai (aapke income slab ke hisab se)
- Post office byaaj par TDS nahi kat-ta, lekin ITR me byaaj dikhana zaroori hai
- Jama rakam par dhaara 80C ki chhoot NAHI milti
MIS Kiske Liye Sahi Hai?
- Retired vyakti jo pension ke saath niyamit aay chahte hain
- Woh parivar jahan mahine ka kharcha ek fixed aay se chalta ho
- Kam jokhim chaahne wale niveshak
Dhyan rahe: byaaj par mudrasfiti (inflation) ka asar padta hai, isliye badi rakam lambe samay tak rakhne se pehle apni zarooraton ka andaza lagayein.
MIS Khata Kaise Kholein? (Steps)
- Najdeeki post office jayein aur MIS account opening form bharein
- KYC documents (Aadhaar, PAN, photo) jama karein
- Nyuntam ₹1,000 jama karein
- Byaj ke liye Post Office Savings Account link karwayein — har mahine byaaj usi me aayega
Aadhikarik Srot
- India Post ki Monthly Income Scheme page
- Vitt Mantralaya, 30 September 2026 ki byaaj dar adhisoochna
Yeh sirf jaankari hai, financial advice nahi hai. Khata kholne se pehle post office se vartaman niyam zaroor pusht karein.