# Post Office MIS vs Bank FD: Monthly Income Comparison

> ₹9 lakh in Post Office MIS earns ₹5,550 monthly vs ₹4,875 from bank FD.
- Title: Post Office MIS vs Bank FD: Monthly Income Comparison · mint
- Summary: ₹9 lakh in Post Office MIS earns ₹5,550 monthly vs ₹4,875 from bank FD. A ₹9 lakh investment in Post Office MIS at 7.4% interest yields ₹5,550 monthly before…
- Keywords: post office mis, bank fd, interest rate, monthly income, tax implications, investment comparison, fixed deposit, news, india, Post, Office, MIS
- Source: mint — https://livemint.com/money/personal-finance/9-lakh-in-post-office-mis-vs-9-lakh-in-bank-fd-which-gives-a-higher-monthly-income-11792212266026.html
- Author: Shivam Shukla
- Published: 2026-10-17T05:39:32+00:00
- Read time: 1 min
- Topics: post office mis, bank fd, interest rate, monthly income, tax implications, investment comparison, fixed deposit, news, india
## Investment Comparison
A ₹9 lakh investment in Post Office MIS earns ₹5,550 monthly at 7.4% interest, compared with an indicative ₹4,875 from a bank FD at 6.5%.
## Key Differences
Post Office MIS has a 5-year tenure and returns principal at maturity, while bank FD rates vary by bank and eligibility.
## Tax Implications
Both schemes offer tax-free interest up to ₹10 lakh annually under Section 80C, but MIS has higher monthly payouts.
## Senior Citizen Rates
Senior citizens may qualify for FD rates exceeding 8% through select small finance banks.
## Investment Advice
Seek professional guidance before investing to ensure a beneficial investment decision.
## Tax-Free Limit
The tax-free limit for interest under Section 80C is ₹10 lakh annually for both schemes.
## Conclusion
At current rates, Post Office MIS generates ₹8,100 more annually than bank FD before tax.
## Key takeaway

A ₹9 lakh investment in Post Office MIS at 7.4% interest yields ₹5,550 monthly before tax, higher than bank FD's ₹4,875 at 6.5%.