Source: https://awesomecalcs.com/post-office-mis-calculator/100000-post-office-mis-monthly-income
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

---
# ₹1,00,000 Post Office MIS Monthly Income

> See the monthly income from a ₹1,00,000 Post Office Monthly Income Scheme (MIS) investment at 7.4% p.a. over 5 years.

Interactive calculator: https://awesomecalcs.com/post-office-mis-calculator/100000-post-office-mis-monthly-income

Keywords: ₹100000 post office MIS monthly income, 1 lakh POMIS monthly payout, post office MIS calculator 1 lakh, monthly income scheme 1 lakh, POMIS vs SCSS 1 lakh, POMIS interest rate 2024

## Scenario inputs

```json
{
  "inputs": {
    "annualRatePercent": 7.4,
    "investment": 100000,
    "accountType": "single"
  }
}
```

## Frequently asked questions

### How is POMIS interest taxed on a ₹1,00,000 investment?

Post Office MIS interest is taxable as income in the year of receipt. For a ₹1,00,000 investment, monthly income is about ₹617. Annual interest is roughly ₹7,400, which you include in your income tax return. No TDS is deducted by the post office, but the income is taxable as per your slab.

### What happens to my ₹1,00,000 at Post Office MIS maturity?

After the 5-year tenure, the full ₹1,00,000 principal is returned to you. There is no bonus at maturity (the bonus was discontinued). You can reinvest in a new POMIS, transfer to a savings account, or use it as needed.

### How does ₹1,00,000 in POMIS compare to ₹1,00,000 in an FD?

A ₹1,00,000 FD at 7% p.a. (compounded quarterly) matures to about ₹1,41,478, with no regular payout. POMIS pays ₹617/month (₹37,000 total over 5 years) and returns the principal. POMIS is better if you need regular monthly income; FD is better if you want compounding growth.