Post Office MIS — Har Mahine Kitni Aay Aur Kaise Kaam Karta Hai
MIS hai kya
Post Office Monthly Income Scheme (MIS) ek sarkari bachat yojana hai jahan aap ek saath ek rakam jama karte hain, aur uspar aapko har mahine ek tay byaj milta hai — poore 5 saal tak. 5 saal baad aapka poora mool paisa wapas mil jaata hai.
Iska matlab: aapki poonji surakshit rehti hai (sarkari garanti), aur uspar har mahine ek pakki aay aati rehti hai. Isiliye ye khaas taur par un logon me popular hai jinhe niymit maasik aay chahiye — jaise retire log, ya wo jinke paas ek saath paisa aaya ho (gratuity, zameen bechne ka paisa).
Hisaab kaise banta hai
MIS ka hisaab seedha hai:
Misaal ke liye, agar byaj dar 7.4% saalana hai (ye badalti rehti hai) aur aapne ₹9 lakh jama kiye:
Saalana byaj = 9,00,000 × 7.4% = ₹66,600
Maasik aay = 66,600 ÷ 12 = ₹5,550 har mahine
Ye ₹5,550 aapko poore 5 saal tak har mahine milte rahenge, aur 5 saal baad aapke ₹9 lakh poore wapas mil jaayenge. Byaj mool me nahi juda jaata — wo har mahine aapko de diya jaata hai.
Apna hisaab lagane ke liye rakam aur current byaj dar daal kar seedha ye formula istemaal kar sakte hain. Byaj kaise judta hai, ye samajhne ke liye Simple Interest Calculator aur compound interest guide dekhein.
Kitna jama kar sakte hain
MIS me jama karne ki ek adhiktam seema hoti hai, jo single aur joint khate me alag hoti hai:
- Single khata — ek tay adhiktam seema tak
- Joint khata — usse zyada seema tak (do-teen log milkar)
Ye seemayein sarkar samay-samay par badalti hai. Apne post office se ya India Post ki site se current seema aur byaj dar confirm karein.
Kiske liye MIS sahi hai
Retire logon ke liye — sabse aam istemaal. Retirement ka ek saath aaya paisa MIS me daal kar har mahine ek pakki aay banayi ja sakti hai, jaise pension. Poonji bhi surakshit rehti hai.
Jinke paas ekmusht paisa hai — gratuity, bima ka claim, zameen ya property bechne ka paisa. Isse har mahine kharche ka intezaam ho jaata hai bina mool ko chhue.
Jinhe surakshaa sabse zaroori hai — jo bilkul jokhim nahi lena chahte. Sarkari garanti ke saath MIS FD jaisa surakshit hai.
MIS ki seemaayein — ye bhi jaan lein
MIS surakshit hai, par kुछ cheezein dhyaan me rakhni chahiye:
- Byaj tax-free nahi hai. Har mahine milne wali aay aapki income me judti hai aur aapke slab ke hisaab se tax lagta hai. PPF/SSY jaisa tax-free nahi hai.
- Byaj mehngai se thoda hi upar. Ye poonji badhane ke liye nahi, aay dene ke liye hai. Lambe samay ki growth ke liye ye theek nahi.
- 5 saal ka lock-in. Beech me nikaalne par thodi penalty lagti hai (samay ke hisaab se).
- Maasik aay khud nahi badhti — 5 saal tak wahi rakam. Mehngai badhti hai par aay wahi rehti hai.
MIS ka paisa aur bada kaise karein
Ek popular tareeka: MIS ki maasik aay ko kharch karne ke bajaye, use RD (recurring deposit) ya SIP me daal dein. Isse aapko maasik aay bhi milti rehti hai (jo aage badh rahi hai) aur mool poonji bhi surakshit rehti hai.
Misaal: ₹5,550 maasik MIS aay ko har mahine RD/SIP me daal dein. 5 saal baad aapke paas apna mool (₹9 lakh) bhi hai, aur RD/SIP me जमा hui ek achhi khaasi rakam bhi. Ye tareeka surakshaa aur thodi growth dono deta hai. Post office ki baaki yojanaon ki poori jaankari Post Office guide me hai.
Khata kaise kholein
- Nazdeeki post office jaayein (ya kई banko me bhi MIS milta hai)
- Form bharein, KYC ke kaagaz (Aadhaar, PAN, photo) dein
- Rakam jama karein — cheque ya nakad
- Maasik aay seedhe aapke post office/bank savings khate me aati hai
Joint khata kholna hai to sabhi khatadhaarakon ka KYC chahiye. Nominee zaroor bharein — ye parivaar ko baad me dikkat se bachaata hai.
Saaf baat: byaj dar, jama ki seema aur niyam sarkar samay-samay par badalti hai. Ye lekh aam jaankari ke liye hai, koi nivesh salah nahi. Current dar aur seema India Post ya NSI se confirm karein.
MIS bnaam FD bnaam SCSS — kis me farak
Surakshit maasik/niymit aay ke liye teen aam vikalp hain, aur logon me confusion rehta hai:
- MIS — har mahine aay milti hai, 5 saal, kisi bhi baalig ke liye. Jinhe har mahine paisa chahiye unke liye.
- FD — byaj jama hokar chuni gayi avdhi par milta hai (ya monthly/quarterly option bhi). Lachak zyada, avdhi apni marzi ki. FD Calculator me hisaab dekh sakte hain.
- SCSS (Senior Citizen Savings Scheme) — sirf 60 saal se upar ke liye, aam taur par MIS se zyada byaj, par sirf senior citizens ke liye.
Agar aap 60 se upar hain, to SCSS aksar MIS se behtar byaj deta hai — pehle wo dekhein. 60 se kam hain aur har mahine aay chahiye, to MIS theek hai. Sirf paisa surakshit rakhna hai aur maasik aay zaroori nahi, to FD me bhi kaam ho jaata hai. Teeno ka hisaab apni rakam par nikaal kar milaana sabse achha rehta hai. Post office ki saari yojanaon ki tulna Post Office guide me hai.
Aksar pooche jaane wale sawaal
MIS me har mahine kitna milega?
Jama rakam guna byaj dar, bhaag 12. Jaise 7.4% par ₹9 lakh jama karne par lagbhag ₹5,550 har mahine. Byaj dar badalti rehti hai, current dar confirm karein.
Kya MIS ka byaj tax-free hai?
Nahi. Maasik aay aapki income me judti hai aur slab ke hisaab se tax lagta hai. Ye PPF/SSY jaisa tax-free nahi hai.
5 saal se pehle paisa nikal sakte hain?
Haan, par thodi penalty lagti hai jo nikaalne ke samay par nirbhar karti hai. Isliye MIS me wahi paisa daalein jo 5 saal tak nahi chahiye.
Mool paisa kab wapas milta hai?
5 saal baad poora mool wapas mil jaata hai. Beech me sirf maasik byaj milta hai, mool nahi ghatta.
MIS FD se behtar hai?
Dono surakshit hain. MIS har mahine aay deta hai, FD me byaj jama hokar maturity par ya chuni gayi avdhi par milta hai. Jinhe maasik aay chahiye unke liye MIS, baaki ke liye FD — dono ka hisaab laga kar dekhein.
Niyam aur rate badalte rehte hain. Bade faisle se pehle seedha yahan dekhein: