Source: https://awesomecalcs.com/post-office-mis-calculator/200000-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.

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# ₹2,00,000 Post Office MIS Monthly Income

> See the monthly income from a ₹2,00,000 Post Office Monthly Income Scheme (MIS) investment at 7.4% p.a. over 5 years.

Interactive calculator: https://awesomecalcs.com/post-office-mis-calculator/200000-post-office-mis-monthly-income

Keywords: ₹200000 post office MIS monthly income, 2 lakh POMIS monthly payout, post office MIS calculator 2 lakh, monthly income scheme 2 lakh, POMIS vs FD 2 lakh, POMIS 2 lakh monthly income

## Scenario inputs

```json
{
  "inputs": {
    "annualRatePercent": 7.4,
    "investment": 200000,
    "accountType": "single"
  }
}
```

## Frequently asked questions

### How is POMIS interest taxed on a ₹2,00,000 investment?

Annual POMIS interest of roughly ₹14,800 (₹1,233/month) is taxable income. No TDS is deducted by the post office on POMIS payouts, but you must include it in your income tax return. At the 20% slab, the tax is about ₹2,960/year on this interest.

### What happens to my ₹2,00,000 at Post Office MIS maturity?

The full ₹2,00,000 principal is returned at the end of 5 years. There is no penalty for closing at maturity. You can re-invest in a new POMIS account or use the principal elsewhere.

### How does ₹2,00,000 in POMIS compare to ₹2,00,000 in SCSS?

SCSS (for senior citizens) pays ₹4,100/quarter (₹16,400/year) at 8.2%. POMIS pays ₹1,233/month (₹14,796/year) at 7.4%. SCSS gives slightly higher annual income but only quarterly payouts. POMIS is open to investors of any age and pays monthly.