Post Office MIS Calculator — Har Mahine Kitni Aay
Ek baar paisa jama kijiye, har mahine byaj aata rahe — POMIS ka waada bas itna hai. Neeche jama rakam aur byaj dar daaliye, mahine ka number saamne aa jayega.
Mahine ki aay ka hisaab
₹9 lakh jama, 7.4% dar par:
- Saal ka byaj: ₹66,600
- Har mahine: ₹5,550
5 saal me kul byaj lagbhag ₹3.33 lakh, aur maturity par poora mool dhan wapas.
| Jama | Mahine ka byaj (7.4% par) |
|---|---|
| ₹3 lakh | ₹1,850 |
| ₹5 lakh | ₹3,083 |
| ₹9 lakh | ₹5,550 |
| ₹15 lakh | ₹9,250 |
Byaj har mahine aapke post office bachat khaate me aa jaata hai. Chahein to use wahin se nikaal lijiye, ya RD me daalne ka nirdesh de dijiye — tab byaj bhi kaam karne lagega.
Jama ki seema aur joint khaata
POMIS me jama karne ki ek adhiktam seema hoti hai, aur wo ek khaate ke liye alag hoti hai aur joint khaate ke liye alag. Sarkar ye seema samay-samay par badhati rehti hai, isliye khaata kholte waqt aaj ka number post office se confirm kar lijiye.
Aur zaroori baatein:
- Kam se kam jama rakam chhoti hai — hazaar rupaye se bhi shuru ho jaata hai
- Koi bhi bharatiya nagrik khol sakta hai, umar ki shart nahi
- Bacche ke naam par bhi khul sakta hai (abhibhavak ke saath)
- Poore desh me kisi bhi post office me transfer ho jaata hai — ghar badalne par kaam nahi rukta
- Nominee zaroor bhariye
Tax aur beech me nikalne ke niyam
Tax ka seedha sach:
- Jama rakam par 80C ki chhoot nahi milti — ye POMIS ki sabse badi kami hai. NSC aur SCSS me milti hai.
- Byaj poori tarah tax me aata hai, aapke slab ke hisaab se.
- POMIS par TDS nahi katta — par iska matlab tax maaf nahi, sirf ye ki aapko khud ITR me dikhana hota hai.
Isi liye 30% slab wale ke liye 7.4% ka POMIS asal me lagbhag 5.2% ka nivesh hai. Aur mehngai ghatane ke baad asli badhotari lagbhag zero. Iska hisaab Real Return Calculator me dekh lijiye.
Beech me nikalna: ek saal se pehle bilkul nahi. Uske baad nikalne par jama rakam par jurmana lagta hai — jitni jaldi nikaalenge, utna zyada. Isliye wahi paisa daaliye jo 5 saal tak nahi chahiye.
Kiske liye ye sach me sahi hai
POMIS un logon ke liye bana hai jinhe har mahine paisa chahiye:
- Retire ho chuke log — pension ke saath ek aur nishchit aay
- Vidhwa ya akele rehne wale bujurg — jinhe har mahine ek tay rakam chahiye
- Jinke paas ek musht rakam aayi hai — retirement ka paisa, property bechne ka paisa, ya bima ka claim
- Jinki aay tax ke daayre se neeche hai — kyunki tab byaj par tax ka bojh nahi padta. Aise logon ke liye POMIS sach me achha hai
Ye theek nahi hai jab:
- Aap 30% slab me hain — tax ke baad kuch nahi bachta
- Aapko mahine ka paisa chahiye hi nahi — tab wahi paisa jodne wali jagah (jaise NSC) me zyada banega
- Aapki umar 60 se upar hai aur SCSS ki jagah bachi hai — SCSS ka byaj aksar zyada hota hai aur 80C bhi milta hai
Poori jaankari POMIS ka hisaab aur Post Office Guide me hai.
Aksar pooche jaane wale sawaal
POMIS me har mahine kitna milta hai?
Jama rakam × byaj dar ÷ 1200. 9 lakh par 7.4% ke hisaab se lagbhag 5,550 rupaye mahina.
POMIS me 80C ki chhoot milti hai?
Nahi. Ye POMIS ki sabse badi kami hai. Byaj bhi poori tarah tax me aata hai, chahe TDS na kate.
Joint khaate me zyada paisa jama ho sakta hai?
Haan, joint khaate ki seema single se zyada hoti hai. Pati-patni alag-alag single khaate bhi khol sakte hain — isse parivaar ki kul seema aur badh jaati hai.
POMIS me beech me paisa nikaal sakte hain?
Ek saal se pehle nahi. Uske baad nikalne par jurmana lagta hai — jitni jaldi nikaalenge utna zyada. Isliye 5 saal tak na chahiye wala paisa hi daaliye.