Post Office Best Scheme: मंथली इनकम की गारंटी… पोस्ट ऑफिस की इस स्कीम में सिर्फ एक बार लगाएं पैसा – Post Office Best Scheme One Time Investment Monthly Income Scheme MIS know its bensfits tutc
Many government schemes are being run by the post office, which assure safe investment. Along with this, some schemes also guarantee your regular income. In these, every month’s income can be assured by investing only once. One such wonderful Post Office Scheme is MIS Scheme i.e. Monthly Income Scheme, in this the government is also giving excellent interest on investment. By investing once, you can ensure an income of Rs 10,000 every month.
Government takes guarantee of security
Post Office Schemes are considered risk free saving schemes because the investment But the government itself guarantees security. If you are also planning to invest in any government scheme without risk, then this option can prove to be the best. Post Office Monthly Income Scheme (POMIS) is very popular in terms of providing regular income.
These accounts can be opened under MIS
Under Post Office MIS Scheme, you can open single or joint account. Under this government scheme, a maximum lump sum investment of Rs 9 lakh can be made in the account of a single person, whereas if a joint account is opened, the maximum investment limit has been fixed at Rs 15 lakh.
Heavy interest of 7.4%, know these rules
Under the Post Office MIS Scheme, excellent interest is being offered by the government, which is currently available at the rate of 7.4 percent per annum. In this scheme, interest payment is made every month.
While investing in this scheme, it is important to know one special thing that to get the full benefit, it is beneficial to keep the account open till maturity. Actually, if we look at the rules related to this, it is not allowed to close the post office MIS account before the completion of one year from the date of opening. If the account is closed on or before completion of 3 years, 2% of the deposit account will be deducted and the remaining amount will be paid.
Income of Rs 10000 every month
If you want to calculate an income of ten thousand rupees every month, then for this the investor will have to open a joint account in this post office scheme and will have to deposit a lump sum of Rs 15 lakh and the interest on it will be as per the current interest rate of 7.4%. Through this investment, your interest income till maturity will be Rs 5,55,000, which will be Rs 1,11,000 annually, whereas if calculated on monthly basis, it will be Rs 9,250.
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