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Post Office MIS Calculator
Result
Chart
Show formula & working
Monthly interest = Deposit × rate ÷ 12; principal returned after 5 years
Details
Small savings interest rates, 1 Oct – 31 Dec 2026 (Q3 FY 2026-27): rates and rules as of 01-Oct-2026 · Source: Government of India OM F.No.1/4/2019-NS dated 30 Sep 2026 (Q3 rates unchanged from Q2), as published by Indian Bank; RD 6.7% and savings 4% from India Post. Every figure based on it stays editable.
How this works
MIS pays a fixed monthly income for five years at the rate on the day you open it.
Interest is not compounded; reinvesting it, for example in an RD, raises the total return.
Frequently asked questions
Can I withdraw early?
After one year, with a deduction from the principal; check the current rules.
Is MIS interest taxable?
Yes, at your slab rate.