Post Office Monthly Income Scheme (MIS) in 2025 || Best Investment Plan for Monthly Income The Post Office Monthly Income Scheme (MIS) is a savings scheme offered by India Post, which provides a safe and reliable investment option for individuals who wish to earn regular monthly income. The scheme is backed by the government of India and is suitable for retirees, pensioners, and others looking for stable, fixed returns. Key Features of Post Office MIS: Interest Rate: The interest rate on the Post Office Monthly Income Scheme is fixed and payable monthly. As of now (March 2025), the rate is 7.4% per annum, but it can change based on government regulations. Minimum Investment: The minimum investment required is ₹1,000, and the amount must be in multiples of ₹1,000. Maximum Investment: The maximum investment for a single account is ₹9 lakh, and for a joint account (with two or more people), it is ₹15 lakh. Tenure: The investment period for the scheme is 5 years. Interest Payment: The interest earned on the investment is paid out monthly to the investor's savings account or post office account. Taxation: The interest earned is taxable under the Income Tax Act, but TDS (Tax Deducted at Source) is not deducted on the interest. The investor must declare the interest income in their income tax returns. Joint Accounts: A joint account is allowed under the scheme, which can be opened with 2 or 3 individuals. The interest will be divided according to the number of account holders. Nomination Facility: The scheme provides a nomination facility, which allows the investor to nominate a person. Example of How the Scheme Works: If you invest ₹1,00,000 in the Post Office MIS at an interest rate of 7.4% annually, the monthly interest will be: ₹1,00,000 x 7.4% = ₹7,400 annually ₹7,400 / 12 = ₹617 monthly income The interest is credited to your account every month, which you can withdraw or reinvest. Taxation: Interest is subject to tax, which reduces the actual return. Limited Flexibility: Premature withdrawal comes with penalties, which can reduce the amount you get if you need to access your funds before maturity. Conclusion: The Post Office Monthly Income Scheme is a stable and secure investment option for individuals looking for guaranteed returns and regular income, but it may not offer high returns in comparison to other investment options like stocks or mutual funds. It is best suited for conservative investors seeking a fixed monthly income with minimal risk. 📌 Topics Covered: ✅ Post Office MIS Scheme 2025 ✅ Best Post Office Schemes 2025 ✅ How to Apply for Post Office MIS ✅ Monthly Income Scheme Benefits Disclaimer- The video is made solely for educational purposes and is not created with an intent to harm, injure or defame any person, body of persons, association, company or anyone. Details in the video like Home address, Email addresses, Sign-in credentials, Phone numbers, Passport number, Bank account information are demo do not belong to a real human. Some contents are used for educational purposes under fair use. Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. All credit for copyright material used in the video goes to the respected owner.This video is not intended to spread rumours, offend, or hurt the sentiments of any religion, communities or individuals, or to bring disrepute to any person (living or dead). The viewer should always do their diligence and anyone who wishes to apply the ideas contained in the video takes full responsibility for it. Also, it is done at their own risk and consequences. The material contained in this video cannot replace or substitute for the services of trained professionals in any field including, but not limited to, financial, medical, psychological or legal matters. Shivam Shrivastva and the producers do not take responsibility for any direct, indirect, implied, punitive, special, incidental, or other consequential damages arising directly or indirectly on account of any actions taken based on the video. Shivam Shrivastva and the producers of the video disclaim any kind of claim of libel, slander or any other kind of claim or suit of any sort. Viewers discretion is advised.