Post Office · Monthly Income Scheme

Post Office MIS Calculator: Mahine Ka Byaaj

Monthly income scheme mein ek baar rakam jama hoti hai aur uspar har mahine byaaj milta hai. Neeche apni rakam daalein aur dekhein har mahine kitna byaaj banega.

apna hisaab khud dekhein

Calculator

Jama rakam (rupaye)Kam se kam ek hazaar rupaye, uske gunaj mein.Avadhi (mahine)Official avadhi default mein pehle se bhari hai.

Is samay ka official dar: 7.4 percent. Dar National Savings Institute ki MIS rate page se liya gaya hai; mahine ka byaaj usi dar se banta hai.

Ek baar ki jama par har mahine byaaj milta hai aur avadhi ke ant mein poori jama wapas milti hai. Official avadhi paanch saal hai, aur term input usi par pehle se set hai. Kam ya zyada mahine daalne par numbers sirf andaze ke liye hain.

ek nazar mein

Yeh Scheme Kya Hai

Monthly income scheme un logon ke liye hai jinko apni jama rakam se har mahine ek tay byaaj chahiye. Aap ek baar rakam jama karte hain, aur uspar har mahine byaaj aapko milta rehta hai. Poori avadhi ke ant mein aapki jama ki gayi rakam wapas mil jati hai, isliye mool rakam khatam nahin hoti.

Yeh scheme un logon ke liye seedhi hai jo pension ke saath ya uske bina ek sthir mahine ki aay chaahte hain. Kyunki jama rakam par byaaj lagta hai aur mool rakam avadhi ke ant mein wapas milti hai, isliye ise aap ek tay mahine ki income ke rup mein dekh sakte hain.

Is calculator mein aap apni jama rakam daalein. Yeh aapko har mahine ka byaaj, saal ka byaaj aur poori avadhi ka kul byaaj dikhata hai. Saath mein yeh bhi saaf rehta hai ki mool rakam poori avadhi tak waise hi rehti hai aur ant mein wapas milti hai.

kaam kis ka

Kiske Liye Sahi Hai

Jinko apni bachat se har mahine ek tay byaaj chahiye.
Jo mool rakam nahin kharch karna chahte, sirf uspar milne wale byaaj se guzaara karna chahte hain.
Jo pension ke saath ek doosra sthir income source banana chahte hain.
Jo mahine ki income ko mahine ki income se tulna karke sabse behtar yojana chunna chahte hain.

hisaab ka tareeka

Poora Formula

Mahine ka byaaj = P × r ÷ baarah

Is formula mein P aapki jama ki gayi rakam hai, r saalana byaaj dar ko decimal rup mein likha gaya hai, aur baarah mahinon ki ginti hai. Kyunki byaaj har mahine milta hai, saalana byaaj ko baarah se bhaag dekar mahine ka byaaj nikala jata hai.

seema, avadhi aur tax

Official Niyam

Jama ki seema: NSI ke hisaab se kam se kam ek hazaar rupaye jama karne hote hain. Single account mein nau lakh rupaye tak aur joint account mein pandrah lakh rupaye tak jama ki ja sakti hai.
Avadhi: Account paanch saal mein mature hota hai. Is avadhi ke dauraan har mahine byaaj milta hai, aur ant mein mool rakam wapas milti hai.
Ek se zyada account: NSI ke hisaab se ek depositor ek se zyada account chala sakta hai, lekin maximum jama ki seema ke andar hi. Yeh seema single aur joint account dono ke liye tay hai.
Beech mein band karna: Ek saal ke baad lekin teen saal se pehle account band karne par jama rakam ka do percent kata jata hai. Teen saal ke baad band karne par ek percent kata jata hai.
Tax ka hisaab: NSI ki MIS page par tax ke niyam ke baare mein kuchh darj nahin hai, isliye is page par tax ka dawa nahin kiya jata. Apne aaykar salahkar se apne case ka hisaab poochh lein.

jaise asli zindagi mein

Ek Udaharan

Maan lijiye aap nau lakh rupaye MIS mein jama karte hain, jo single account ki poori seema hai. Neeche wale calculator mein yahi rakam pehle se bhari hui hai.

Har mahine aapki jama rakam par byaaj banta hai, jo aapko us mahine mil jata hai.
Saal bhar ke byaaj ka jod ban jata hai, aur poori avadhi ka kul byaaj usse bhi zyada hota hai.
Avadhi ke ant mein aapki poori jama ki gayi rakam wapas milti hai, isliye mahine ka byaaj aur mool rakam dono alag alag hisaab mein aate hain.

jinse bachein

Aam Galtiyan

Mool rakam ko byaaj samajh lena. Har mahine jo milta hai woh byaaj hai; mool rakam avadhi ke ant mein wapas milti hai.
Single account aur joint account ki seema ko ek jaisa maan lena, jabki dono ki maximum seema alag hai.
Ek saal ke andar account band karke katauti khana, jabki thoda intezaar karne par katauti kam hoti hai.
Byaaj ko dobara jama karne ki koshish karna. MIS mein byaaj har mahine bhugtan ke roop mein milta hai, woh apne aap chakravriddhi nahin hota.

aksar poochhe jaane wale sawaal

Frequently Asked Questions

MIS mein har mahine kitna byaaj milega?

Mahine ka byaaj aapki jama rakam par is samay ke dar se banta hai. Is samay ka dar NSI ki MIS rate page par 7.4 percent darj hai, aur usi se mahine ka byaaj nikalta hai.

MIS mein mool rakam kab milti hai?

Poori avadhi poore hone par aapki jama ki gayi poori rakam wapas mil jati hai. Avadhi ke dauraan sirf byaaj milta hai, mool rakam nahin.

MIS mein maximum kitna jama kar sakte hain?

NSI ke hisaab se single account mein nau lakh rupaye tak aur joint account mein pandrah lakh rupaye tak jama ki ja sakti hai.

Ek se zyada MIS account khol sakte hain?

Haan, lekin maximum jama ki seema ke andar. NSI ke hisaab se depositor ek se zyada account chala sakta hai, lekin poori jama tay seema se zyada nahin ho sakti.

MIS account beech mein band karne par kya hota hai?

Ek saal ke baad lekin teen saal se pehle band karne par jama rakam ka do percent kata jata hai. Teen saal ke baad band karne par ek percent kata jata hai.

Kya MIS byaaj par aaykar lagta hai?

NSI ki MIS page par tax ke niyam ke baare mein kuchh darj nahin hai, isliye is page par tax ka koi dawa nahin kiya jata. Apne aaykar salahkar se apne case ka hisaab poochh lein.

aadhikarik srot

Official Sources

www.nsiindia.gov.in

Dar National Savings Institute ki MIS rate page se; account ke niyam NSI ki MIS scheme page se.

NSI: MIS current interest rate · NSI: MIS deposit limits · NSI: MIS maturity period · NSI: MIS premature closure deduction rule · NSI: MIS multiple accounts rule · jaancha gaya 2026-10-17