What do you get under Post Office MIS?
Deposit a lump sum for five years and get interest every month (7.4% a year for October to December 2026). Up to ₹9 lakh in a single account and ₹15 lakh in a joint account.
Who is eligible for Post Office MIS?
- Any resident Indian adult, up to three adults jointly, or a guardian for a minor (minors aged 10 or more can open their own).
Documents needed for Post Office MIS
0 of 4 ready
Offices may ask for more. Check the official list before you go.
How to apply for Post Office MIS
- Open it at a post office with a post office savings account, the form and KYC. Interest is credited to the savings account every month.
Common questions
Who is eligible for Post Office MIS?
Any resident Indian adult, up to three adults jointly, or a guardian for a minor (minors aged 10 or more can open their own).
How much do I get under Post Office MIS?
Deposit a lump sum for five years and get interest every month (7.4% a year for October to December 2026). Up to ₹9 lakh in a single account and ₹15 lakh in a joint account.
What documents do I need for Post Office MIS?
Aadhaar card (linked to your mobile number); PAN card; Passport-size photo; Bank passbook or account details (Aadhaar-seeded account).
How do I apply for Post Office MIS?
Open it at a post office with a post office savings account, the form and KYC. Interest is credited to the savings account every month. Official site: https://www.indiapost.gov.in/
Do I have to pay anyone to apply for Post Office MIS?
No. Applying for a government scheme is free on the official portal, and at Common Service Centres you pay only the notified service fee, if any. Never pay an agent who promises approval.
Official sources
- National Savings Institute, Ministry of Finance
- India Post
- Department of Economic Affairs, Ministry of Finance (small savings rates)
Last checked 1 November 2026; next review by 31 December 2026. Rules and amounts change, so confirm on the official site before you apply. IndiaDigital is independent and not a government site.