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🍒 Post Office Monthly Income Scheme (MIS) Interest Rates 2019, Calculator

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Post Office Monthly Income Scheme (MIS) Interest Rates 2019, Calculator
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Post Office Monthly Income Scheme or MIS - A complete guide - BasuNivesh
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POST OFFICE MONTHLY INCOME SCHEME CALCULATOR (POMIS) पोस्ट ऑफिस मासिक आय योजना कैलकुलेटर

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Below is the latest Post Office Small Savings Schemes interest rates Jan-March 2018. I highlighted with green colour wherever there is no change in interest rate. Post Office Small Saving Schemes Interest rates trend FY 2016-17 and 2017-18. Below is the interest rate trend for FY 2016-17 and FY 2017-18.


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Bonus after Maturity of MIS (Monthly Income Scheme) | Taxable or NOT ? - YouTube
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Safety and the constant stream of income are the requirements for many of us.
The best product for such investors is Post Office Monthly Income Scheme or MIS.
Let us try to understand about the features of this scheme.
Who can open Post Office Monthly Income Scheme or MIS?
An individual in single or jointly with one or more adults together can open this account.
An individual can be guardian to the minor kid or of unsound mind individual.
However, HUF or NRIs not allowed to open this account.
What is the minimum and maximum limit of Post Office Monthly Income Scheme or MIS?
This is the one-time investment product.
You invest a lump sum and start to earn monthly income.
The minimum amount you can invest is Rs.
If you have a joint account, then you can invest up to Rs.
You can open as many accounts as you can.
But the combined limit under your head must not cross Rs.
Let us say Mr.
X opened the account with the deposit of Rs.
Along with this, he opened one more account with his wife Mrs.
X in joint name.
In this joint account, he deposited Rs.
X the total investment is Rs.
So his limit for investing in Post Office Money games free play for girl Income Scheme or MIS for Mr.
X the investment is considered as Rs.
Hope this is clear now.
But do remember that Mr.
For such minor accounts, Mr.
X individual limits will not be considered.
I noticed that few portals mentioned that minor account is a maximum limit of Rs.
However, the same is not mentioned on.
Let us say if someone opened the joint account with three members and the amount deposited is Rs.
Then, for consideration of maximum limit, the deposited amount is equally considered among all depositors.
Like for all individuals, it is Rs.
You can convert the individual account to joint account and vice versa.
If the account is opened in the name of minor, then you have to inform to post office and convert it to the normal account.
What if you deposit more than the prescribed limit?
If post office department come to know about such breach of limit, then they inform you to immediately withdraw the excess amount.
Such excess deposited money will earn only post office savings account interest rate.
The period will be from the deposit of such excess amount to the end of the month preceding the month in which the depositor has been requested to withdraw such excess amount in the account.
What is the rate of interest of Post Office Monthly Income Scheme or MIS currently?
Currently for 1st April, 2016 to 30th June, 2016, the interest rate is 7.
The interest rate will change on a quarterly base.
However, you will get the interest of what it is during the time of deposit.
Do remember that interest rate nowadays changes for all Post Office Schemes on a quarterly basis.
However, for you, the interest at the time of depositing will be applicable for you throughout the 5 years period.
How you receive the interest in Post Office Monthly Income Scheme or MIS?
The interest will be payable on a monthly base.
Let us say you deposited the money on 3rd June, 2016.
You will r the money from 3rd July, 2016.
The date of a payout will be 3rd of every month as you deposited the money on 3rd of June.
What is the tenure of Post Office Monthly Income Scheme or MIS?
Earlier it was 6 years.
Now it is reduced to 5 years.
What if you not withdraws the money after 5 years?
After the completion of 5th year, if you not withdrawn the amount and interest, then such accounts will earn the simple interest of post office savings account up to 2 years ONLY.
After that period, it will be kept idle forever.
Whether nomination facility is available in Post Office Monthly Income Scheme or MIS?
Yes, one can nominate to this investment either at the time of investment or during the tenure of a scheme.
If you want to nominate after opening the account, then write an application and submit it at the concerned post office along with passbook.
What are the tax benefits of Post Office Monthly Income Scheme or MIS?
While investing in this scheme, you will not get any tax benefits.
Also, whatever the interest you receive on monthly base is taxable income for you.
The one big relief is that there is no TDS on such interest payout.
Because it is taxable income.
You have to show the interest income and pay the tax as per your tax slab.
The money deposited in this scheme will be exempt from wealth tax.
How you can receive the interest?
There are three ways to receive the money.
In case of MIS accounts standing at CBS Post offices, monthly interest can be credited into savings account click the following article at any CBS Post offices.
If you not claim the interest rate, then such earned interest will not carry any further interest accumulation.
He will receive the interest either in cash or cheque as per the wish of the depositor.
This facility can be availed only if the cheque amount is more than Rs.
In the event of loss of cheques by the payee, duplicate cheques will be issued only after the payee has signed an indemnity bond and the reconciliation period validity period of the cheque plus one month reconciliation time has elapsed.
In the event of preclosure of account, then account depositor must return the unused cheques along with a penalty of Rs.
In the event of a death of a depositor, nominee or legal heir will have to return such unused cheque but they no need to pay any penalty on this.
At the end of 5th year, account holder receives the amount through cheque only.
If the interest payout due date is on Sunday or postal holiday, then the interest will be credited on immediate preceeding working day.
Let us say you opened the account on 31st July, 2016.
Then every month interest will be payable on 31st.
However, few months will not have this date.
In such a situation, the interest will be payable on last day of that month.
Means on 30th of that particular month where there is no 31st day and in case of February it is either on 28th or 29th of February.
Whether premature withdrawal available?
Yes, but only after a year.
If you withdraw after a year but before 3 years, then they deduct 2% on your invested amount.
If you withdraw after 3 years but before the completion of 5 years, then they deduct 1% from your invested amount as penalty.
Any bonus payable at maturity?
As of now there is no such facility.
However, accounts opened on or after 8.
It means, if you deposited Rs.
Now such bonus facility is not available.
How you can deposit article source />You can deposit the money in cash, cheque or DD drawn in favour of the depositor or the Postmaster of the post office and endorsed in favour of the Postmaster.
What happens if depositor dies?
The nominee or legal heir must close the account.
They are not allowed to continue the account.
The deposited amount along with the interest up to the month preceding the month in which refund is made will be payable to legal heir or nominee.
What happens if a depositor dies in case of a joint account?
Once the death of the joint holder, the account will be treated as single account in the name of surviving account holder.
If post office found excess deposit in such a situation, then the surviving depositor must withdraw such excess amount immediately.
If the interest is already paid as per MIS rates, then such excess interest will be adjusted in future monthly interest payout.
Whether we can transfer this account from one post office to another?
Yes, the account can be transferred from one post office to another post office across India.
Whether monthly interest can be automatically deposited into Post Office RD?
No, it will not be deposited automatically.
The interest of MIS will be deposited to post office savings account.
From there, you can deposit to RD account.
How to open the Post Office Monthly Income Scheme or MIS?
You have to submit the following documents for opening the account.
Who can invest Post Office Monthly Income Scheme or MIS?
The monthly income generated from this scheme is taxable income.
However, the only thing that keeps people invest in such schemes is the constant stream of income.
We Indians first look for safety to our principal and returns on that.
But we never bother whether such low or negative real return affect us or not.
If you are very much happy with SAFETY and kind of around 7.
This scheme may be paradise for those who looking for fixed return from Government.
Basavaraj Tonagatti is the man behind this blog.
He is SEBI Registered Investment Adviser who is practicing Fee-Only Financial Planning Process and also an Independent Certified Financial Planner CFPengaged in blogging since 7 years.
BasuNivesh blog is ranked as one among India's Top 10 Personal Finance Blog.
The purpose of this blog is to "Spread personal finance awareness and make them to bonus treasure 2019 no codes april deposit mile informed financial decisions.
These should not be construed as investment advice or legal opinion.
Because it is treated as BOTH of your income but taxation will be under the head of the first holder.
I have a kishan vikas patra which is 3 year old and a mis which is one year old jointly with my son.
I am the first applicant and want to withdraw the same.
Can i do the same without the sign of my son since he is not willing to sign.
Pl suggest I heard that recently the ruling on tax deduction on MIS interest is Rs.
Tnx for sharing the information.
But pls describe limit for senior citizen and divyang But now the FPO where I opened my rd, SB account and mis is dismantled.
Is there any other procedure for such problem.
Sir I have opened my SB account rd account and mis at FPO but now they are closed and they give me 10digit account no and say that now you can access to any civil post office but now my rd account is mature.
From where I get liquified my rd account as no civil post office take interest in it.
I have given Rs 6 lacks HDFC cheque to post office to open Time deposit my money debited 15 days back but post office staff saying still we are not received any confirmation from our head office when we receive confirmation then we will open new TD account please help me what can I do for this…Thanks Hi, My father had a joint POMIS with my mom,now after his death I need to withdraw the excess amount, will this withdrawal associate any penalty?
Hi sir, I have similar question.
In monthly investment scheme.
Can second holder alone withdraw the money after maturity If one of joint account holder passed away before maturity time?
As I have an MIS with joint name of my wife for Rs.
I got an Insurance Policy Matured now for Rs.
Can I add this amount on the existing MIS or should I have to open a new account MIS pl advise?
Even though the mother is a guardian, it is considered as her investment only.
Dear Srikanth, I already cleared this point in above post.
You can withdraw this only after a year but not before that.
I have opened 3 MIS joint accounts with my sister of 3 lakhs each.
In two accounts I am the 1st applicant And the 3rd one she is the 1st applicant.
As you this because while opening the MIS account i was told the money gets divided however now they are saying the entire amount reflects under the 1st applicants name Nikita-Your total investment is Rs.
Hence, 50% of that is Rs.
Who will have to pay the tax?
First account holder or Both 50% each?
Thanks for your quick response.
How about account in the name of a minor.
Is it required to go via a agent to open a POMIS account or we can get it done directly from a post office?
Gayathri-In case of minor, the taxation is in the hands of guardian clubbing provisions applies.
Agents not required to invest POMIS.
At present i am not working and do not have have any source of income.
HOW i can open mis account from online without going to postoffice.
Dear Mr Basavaraj, After reading your article several times and the questions answered by you, I am still not 100% clear on a particular situation : I have : One MIS for Rs.
Parent name : my wife One MIS for Rs.
Parent name : my wife One MIS for Rs.
Is there any violation?
The PO agent says no problem.
Today my daughter is 17 and son is 13.
Do the PO own for the error on opening a single type account for my son who was less then 10?
Suresh-I already pointed that for minor account, your individual accounts limit will not be considered.
In your wife case, from joint account you can consider Rs.
Also, she is guardian of your both kids account which is separate issue.
Highly appreciate your quick response.
Does it mean there is no violation and all the 3 MIS can continue and mature as per time?
Thanks once again Sir.
I am raising this today as my PO Agent called and informed to me that you have to close one MIS and will not get any interest for the same nearly 4 years passed Mr Bash, is there any other way to cross check and I can talk to them on that basis.
As I can not see their system.
It will be an extreme step to tell them to give in writing.
They are behaving in a rude way.
It is possible to talk only with some evidence.
I am showing my account statement of clearance.
They are saying it passes through STATE BANK OF INDIA.
And there were 3 hoildays in between.
So taking time to reflect.
Srikant-The biggest mistake you did is dealing with Post Office.
They neither heed nor knowledge or patience to listen.
We have opened a joint mis account.
We want to tranfer the account.
Is it necessary that both person should sign the transfer document or is it okay if only one person signs it.
How to know the cheque realisation date in MIS scheme while opening new MIS account.
My bank account is showing cheque cleared.
But post office is saying it is not showing in their system.
What is the role of STATE BANK OF INDIA here.
I money games free play for girl given the cheques on 18th Jan 2018.
The cheque got debited from my account on 22nd Jan 2018.
Now the post office is telling me to wait.
Where to cross check the status?
Then what exactly the post office is waiting for?
The post office is telling me to wait as it is not showing in their system.
Should I believe this?
How to check this?
Dear Sir, I want to open a join account with my wife in POMIS.
I will make a deposit from my salaried account.
Now the question is can we treat the monthly income from this scheme as exclusively earned by my wife so that she only files the income tax in her name for this income?
Or do I also have to show any part of it in my total income for the purpose of tax?
Hello Sir, I want to deposit some amount for long period.
Is there any scheme through which I get double amount after some years later.
Actually I heard somewhere this facility available in post office.
Thanks Ashok-LONG PERIOD, DOUBLE AMOUNT AFTER SOME YEARS and I HEARD SOMEWHERE-All these words making me hard to guide you.
Sir my son is 6 years old.
Sir on maturity after 5 years can i reinvest the same amount for next five years on same joint account.
Seshaiah-You can close the MIS without passbook.
Passbook is not a mandatory thing to close the account.
Dear Govind, You can apply for duplicate passbook.
Once it is issued, then you can apply for closure.
Sir agar Mai interest mis account se permonth withdrawal krta hu, then after 5 years Jo principle amount h uspe tax cut karke milega kya?
Example:mai 100000 rs ka mis karta hu to months muje 620 rs interest milega or Mai us interest ko monthly withdrawal Kar luthen 5 yrs baad 100000 m kuch amount Kat k milega Kya?
What can I do in this regard…please explain me Thank you They saying me mistekenly happened this,if want re open need to close that account for that penalty will be 2% …they saying we are sorry in this regard you are loosing only 5 days intrest bare it.
My main doubt is that these dates will create any problem at a time of maturity or not?
If any problem will come that time now I will close the account,if no problem Sportsbook deposit 2019 will continue that account Sir, My dad expired on 30th dec, 2013.
He had MIS in the PO.
I misplaced the books.
quite ourworld facebook gem code april 2019 topic do I get the numbers and claim that amount?
Sir meri mom ka MIS ac.
Iska procedure batae plz I have open MIS join B type account past 5 years.
And can the interest earned deposited in recurring directly in post office itself?
Priya-Along with KYC, you have to continue reading PAN card also.
Hence, Aadhaar is the part of KYC process but not the complete process.
I have 2 savings account in 2 different post office.
Can i keep the both the post office saving account book in different post office.
I want to have my minor child also as a joint holder in it.
Can you please guide me on this.
Otherwise, KYC is mandatory.
Please be in touch with Post Officers in advance for the same.
Hello Saloni, I am also curious to know about this process of withdrawal.
Next month please inform us about how you got your money, what documents they asked, whatever they asked you to do… Thanks, Raj.
Sir I m only son of my father.
Complete the KYC process and then you can claim that amount.
Hi, My Mother-in-law have a MIS account and nominated her daughter.
But her daughter doesnt know the MIS account no.
Kindly advise how the daughter can withdraw the MIS amount.
Gopinath-Better she takes the help of post officials to identify.
It this web page be hard but not difficult if the officials try to find.
Tried with all the post office official in the branch.
They couldnt help or dont know how to help without the MIS Account no.
They can tell account number and even maturity date and amount.
PUT this problem via RTI on superindent or information officer.
Dear Basu, I am following up on my earlier query.
My sister opened MIS in 2006 while she was in Bangalore.
Now she is working in US and has taken US citizenship.
She does not have PAN, Adhar or Voters ID.
Please advise what documents she needs to present in order to claim the maturity amount.
Priya-It is normal KYC documents like PAN and Address Situation winner casino bonus code 2019 logically />If she does not have, then let her show the reasons saying her citizenship proof of other countries.
Hello sir, I want to open a MIS joint account in post office.
Is there any commission I got if I go through with agent if yes than please tell me how much.??
Ashok-No such commission benefits if you go direct.
Hence, better to take an advantage of agent and invest.
Hello, I think the interest earned every month can be credited in a 5 yr RD in post office.
Automatic transfer option is possible.
I need to know one important information.
Suppose I open MIS and make the automatic transfer to RD.
After 5 years I want to withdraw the maturity money from RD and my initial money.
I want to know what are the documents will a post office ask me.
Because, I already opened and left India now read article />Will post office ask question me by asking me to show any proof?
Income tax return I never done in my life?
Or it is just like.
Thank you for your reply.
Till today my claim has not been settled by the Postal Department.
On contacting the Post Master of the concerned Post office he has assured me that he will contact me over phone once the cheque is ready at their end which he has not done till date.
Under the above circumstances I want to know as to how I can proceed against the Post Office and will I be entitled to any interest till such time I get the refund.
Kumar-You no need to wait a single day.
You go, sit in front of the Post Master, and let him finish and then only leave the chair.
Is the bonus amount received on maturity of MIS taxable?
If taxable, kindly intimate how this amount is to be shown in the return?
Is it income from other sources or long term capital gain For opening MIS account, deposit money games free play for girl cheque or DD drawn in favour of the the Postmaster of the post office is safe?
Will you plz eplain me what does this mean- interest will also be allowed on d accounts of d deceased deposit upto d closw of d month preceding d month in which payment is actually accepted Dear Basu, My sister and I opened a MIS account in 2006 which matured a few years ago.
Now for some years we both have been living abroad and my sister first holder has taken US citizenship.
When I went to claim the maturity amount they are asking for Aadhar card, etc which we do not have.
Could you please advise how we can get back our maturity amount?
Many thanks, Priya Ratna Priya-Sadly KYC is mandatory and you have to submit it.
Sorry Sir In my earlier comment i mentioned wrong date of investment.
It is June 2012.
Will we get bonus of 5% o no now on maturity?
Hence, you are not eligible.
Hi, My husband died in 2017 january.
He had a joint account in post office MIS with me.
Hi, My uncle had an account and he died in September 2016.
His account had no nominee.
He was not married too.
Can someone withdraw that amount?
Rajesh-I am not aware about how much you are dependent on this Rs.
Hence, you can open it.
However, do you feel MIS is so great product think the returns after post tax.
I have an MIS account for Rs.
As we have equal share in the principal amount, the interest derived thereon is also shared equally.
So, for tax purposes, the interest on Rs.
My investment was from my savings as a retired bank official.
My wife invested from her interest income on STDRs standing on her name.
Why I am asking is, if the source of her deposit is from your income, then the interest income will be clubbed in your income for taxation purpose.
So will you tell how much amount in form of cheque i want to pay to open a New account of MIS and how much Interest i will get from this scheme.
Mrinal-The minimum and maximum limits are already mis bonus in post office 2019 />What is the financial liability of the Postal Department if the Agent commits fraudulent irregularity in remitting the amounts received from the investor under Recurring Deposit Scheme.
Because it is the responsibility of investor to verify every month.
Blind belief may cost you more.
Sir, I have query w.
Postal scheme Monthly Income Plan.
They do inform but at the time of maturity.
Now Post office has deducted interest paid for last 5 years i.
What best can be done as this is huge loss for the beneficiaries.
After that period, it will be kept idle forever.
However, in this case it is death.
Hence, I suggest you to let them show the rules not orally but with written.
SIR, Thanks for your prompt reply.
However, I am not clear whether the beneficiary can get Rs.
As in the subject case, it was joint account and the person whose name was first died in between.
Agent informed the family that there is no need to inform the Post Office and at the time of maturity it can be informed.
Once informed, after 5 years Post Office deducted the amount paid over 5 years as interest.
Can we get any benefits if we again approach the Post Office Regards Yashwant-They may claim you hid intentionally.
However, as it is joint account, the only action required is deletion of first holder and continue the MIS as usual.
But instead they not ready to give you interest.
Hence, suggesting you to request them to give in written.
Dear Sir, I would like to invest Rs 4.
Will that Postmaster accept the outstation cheque.
How much amount of interest will I get per month.
On maturity after five yearshow much amount will be payable Parmar-Check with the concerned post office regarding the cheque issue.
In above post, I already explained the interest payout rates and what you get at maturity.
The maximum limit is Rs.
If you have a joint account, then you can invest up to Rs.
You can open as many accounts as you can.
But the combined limit under your head must not cross Rs.
All these years for the past 4 yrs she has been receiving the interest personally thro cash in the respective post office.
They may be doing so as there is cash crunch.
Hello Basavraj, Can you please research on Monthly this web page plan available in Market and help me choosing the best one.
Time horizon is 15 years.
Regards smitha Smitha-If your monthly income requirement is after 15 years, then why you are looking for Monthly Income Schemes for NOW?
Sir I invest 4 lak 50 housand 9 month back at rate of interest 8.
Sir i was not submited 15 g form.
The accounts were transferred but the interest amount for 20 months did not.
What should I do?
Kindly advise Rupak-Why they not transferred the interest part?
Check with concerned Post Office where you now transferred.
Hi, Couple of our MIS accounts got matured.
These are joint accounts.
What would be the rate of interest if I am unable to renew those?
Will it be possible to get those matures MIS accounts getting transferred to Bangalore so that we can renew it over here and operate easily?
Rathore-Yes, you can apply for transfer at the base branch.
After the completion of 5th year, if you not withdrawn the amount and interest, then such accounts will earn the simple interest of post office savings account up to 2 years ONLY.
After that period, it will be kept idle forever.
Hello Sir, My parents invested 9 lakh in post office MIS.
Unfortunately my father died in 2012when we recently went to close the account as the closure date.
PO said to return the interest from the month of the fathers death.
Please guid Hello, Say an amount of 4.
Regarding Post office ATM card, can it be used for transfer from one PO account to another and also to transfer from PO to Bank and vice versa?
Also, is one card issued per PO scheme that one invests in or for all schemes collectively?
In an age when nobody be it a lawyer, CA or other professional opens their mouth unless they see the money flashing, services such as this should be lauded!!
One only hopes Mr.
Tonagatti will carry on with this non-profit making venture — might seem like a pastime to some but for most people it is priceless advice.
Jos-I am not sure about the Post Office ATM feature.
Check with the concerned Post Office.
Nishanth Nishanth-It is easy for you to share your requirement in few lines.
You can give me ur best advice, the risk is obviously mine not yours.
Nishanth-Are you able to share your all personal financial data on this platform?
Then only I am able to guide you.
It is hard for you to share your personal information on such public platform.
Can, I invest same amount in MIS for next 5 years?
Mis interest is taxable income, means??
And if I deposit 4.
And how to pay tax for this income??
Sorry for my English.
Pay the tax as per your applicable tax.
Plz correct it Whether monthly interest can be automatically deposited into Post Office RD?
No, it will not be deposited automatically.
The interest of MIS will be deposited to post office savings account.
From there, you can deposit to RD account.
Sir plz note that yes it is possible.
Here, what I am going to point is MIS to RD is not possible.
MIS to SAVINGS ACCOUNT to RD is possible.
Under current scenarioWhat is the best PIM Scheme or the FD with interest pay out every month.
FD after maturity if reinvested ,does it have tax exemption on the interest earned.
Can the POIMS, be linked to Saving bank account of banks?
Does the Post office saving account ,have facility of ATM ,online transaction etc.
Thanks In advance Sachin-Any interest income from FD is always taxable.
As of now, post office not provide you ATM facility.
Can the account be opened in the name of minor and self name.
Will it be an individual account bonus issues 2019 joint account.
Sachin-I already mentioned the same in above post.
If an individual open one account in his name and another account as guardian to minor then the limit for such an individual is only Rs.
Even if PIMS rate of interest is less the interest payout on monthly base work out to be more beneficial.
For example FD here 9% interest and payout after a year is not best with PIMS with interest rate of 8% and monthly payout.
You get the cash immediately than waiting for a year.
It all depends on you your own requirement.
As they offer little extra Return as compare to liquid or short term funds.
You are requested to kindly let me know should i invest in dynamic bond funds instead of liquid fund and fd.
Regards Paritosh Paritosh-Dynamic bonds are riskier than liquid and short term debt funds.
You can invest based on your risk appetite.
Dear basa It is not looking as attractive as others government schemes with such a low interet rate and vanished tax banefits.
Dear Sir, I had taken LIC endowment Plan sum assured of Rs.
Is it possible, can i get whatever i paid money so far?
I feel that these policies will give less return after completion of respective years.
I would like invest this money in MF instead of paying to this policies.
Guide me sir regarding of it.
Srinivasan-Yes, you can surrender.
But regarding values, I suggest you to contact respective insurer.
Sir, Thanks for reply.
Please give me guidance for buying share for making good portfolio for retirement plan?
Thank you sir for your replies to every comments.
Sir my my question is if MIS does not pay any maturity benefit then should we deposit our money only for such a low interest and that is too taxable.
Plz sir justify it.
Vikram-Why not MIS pay you any maturity benefit?
Low-interest rate and taxation are the concern you have to think while opening it.
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Post Office Monthly Income Scheme - India Post The Post Office Monthly Income Scheme (MIS) is a type of term deposit account offered by India Post. The MIS scheme pays interest each month and is suited for those who seek regular or supplementary income from their investments.


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What is the applicable latest Post Office Small Saving Schemes Interest rates Jan-March 2018?
The government announced the interest rate for PPF, Sukanya Samriddhi, NSC, KVP Interest Rates Jan-March 2018.
Let us see the changes applicable with effective from 1st January 2018.
Earlier the interest rates used to be announced on yearly once.
However, now from 2016-17, the rate of interest will money games free play for girl fixed on a quarterly basis.
I already wrote a detailed post on this.
I am providing the links to those earlier posts below.
Below is the timetable for change in interest rates for all Post Office Savings Schemes.
As per the schedule, Government announced the interest rate applicable to all Post Office Savings Schemes from 1st January 2018 to 31st March click to see more />Latest Post Office Small Saving Schemes Interest rates Jan-March 2018 Just to quickly recap, last quarter, Government maintained the same interest rate for all Post Office Small Savings Schemes.
However, this time, Government reduced around 20 BPS or 0.
Below is the latest Post Office Small Savings Schemes interest rates Jan-March 2018.
I highlighted with green colour wherever there is no change in interest rate.
Post Office Small Saving Schemes Interest rates trend FY 2016-17 and 2017-18.
Below is the interest rate trend for FY 2016-17 and FY 2017-18.
You notice that money games free play for girl savings account interest rate is same for almost two years.
Rest of all products interest rate slowly reduced.
He is SEBI Registered Investment Adviser who is practicing Fee-Only Financial Planning Process and also an Independent Certified Financial Planner CFPengaged in blogging since 7 years.
BasuNivesh blog is ranked as one among India's Top 10 Personal Finance Blog.
The purpose of this blog is to "Spread personal finance awareness and make them to take informed financial decisions.
These should not be construed as investment money games free play for girl or legal opinion.
As the interest rates for SCSS is being revised on quarterly basis, does it mean that the investment will have a fluating rates?
To be more specific, if I invest now in this quarter, I will get 8.
Dear Subramanian, 1 It is fixed at the rate when you are booking the SCSS.
It works exactly like Bank FDs.
Hi Sir, Just a have clarification on TDS dedications, I have invested on NSC for 1 lakh.
My NSC matured before 1 year i am not withdrawal not yet can i receive interest frm matured date or can this NSC can converted to another postal scheme frm matured date pls advise……… Prasanna-You will get the applicable NSC interest rate up to maturity.
Post that, the applicable Post Office Savings Account interest rate up to withdrawal.
What is the best instrument around for good appreciation and safety inclusive.
Hi I want to invest 7 lakh in post office pls guide me which scheme is best for me in which I get best interest rates.
I went to post office they told me that interest rates are 6.
Hence, choose the one which is comfortable for you to manage.
Out of all these schemes, which one has the maximum limit of deposit?
Which one would give quarterly or monthly interest — similar to bank FD?
Also, if you are looking for long term, then first identify your NEED or FINANCIAL GOAL, then based on that invest.
Thanks for the reply!
Or is it only at time continue reading opening of scheme in post office?
Budding-1 You have to submit it yearly.
Even if the TDS deducted, then you can claim it back mis bonus in post office 2019 filing IT Return.
Some of my neighbours are senior citizens.
I try to help them with bank matters with that little knowledge I have!
Recently I got to know from them that they submitted 15H but bank deducted tds.
After few days I got to know this same issue from 4-5 people.
As my neighbor uncle is illiterate, not techy with no Internet banking it is difficult for him to file returns.
Felt really sorry for that old man.
At least for old bonus policy 2019 class people they should give some option of reversal.
Budding-Usually they do not give acknowledgment.
But the sad part is their arrogance and not ready to accept their fault.
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Post Office National Savings Certificate (NSC) is one of the most popular small saving schemes among Indians.You can invest in this scheme to generate a regular fixed income and at the same time for your retirement planning.


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Latest Post Office Small Saving Schemes Interest rates Jan-March 2018 - BasuNivesh
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Post Office Monthly Income Scheme or MIS - A complete guide - BasuNivesh
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Post Office MIS Interest Rate. This is a scheme from the Indian postal service that earns you an interest of 8% per annum, and generates a monthly income for you. So if you invest Rs. 100,000 in it – your annual interest at 8% will be Rs. 8,000, and you will get Rs. 666.67 monthly. Post Office MIS Tenure


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Post Office Saving Schemes: From PPF to SCSS, 5 best post office schemes you can bet on for better return. Post Office Time Deposit Account (TD), Post Office Monthly Income Scheme Account (MIS.


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PO MIS (Post Office Monthly Income Scheme) Features
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This is a fixed income scheme which provides you a guaranteed return on your investment, and is meant for people who are looking for a mis bonus in post office 2019 source of income without taking any risk at all.
Where the mutual fund MIP invests a part of its assets in equity, and even gold in some cases — and may sometimes even get you a higher than 10% return with commensurate risk of course this scheme has a fixed rate of return and is meant for people looking for an ultra safe investment.
Here are some features of here scheme.
Post Office MIS Interest Rate This is a scheme from the Indian postal money games free play for girl that earns you an interest of 8% per annum, and generates a monthly income for you.
So if you invest Rs.
Post Office MIS Tenure The maturity period of the scheme is 6 years, at the end of which you will get your money back.
You cannot redeem your money within a year, but you can redeem it after that upon paying a penalty.
Here is how that works.
After 3 years: You are penalized 1% of your deposit.
Minimum and Maximum Investment The minimum sum you can invest is Rs.
Tax money games free play for girl Post Office MIS There is no TDS on the Post Office MIS, but the interest income is taxable in money games free play for girl hands.
The interest income from post office MIS used to be tax free under section 80L, but that section has been.
Interest can be automatically credited to your bank At the time of opening the scheme you can give in your bank account details, and interest will be automatically credited to your bank every month.
Transfer from one post office to another There is a provision that more info you to transfer your money from one post office to another.
So, if you opened your account in one post office, and moved to another place you can fill up a transfer form with them, and move your scheme to another post office.
Conclusion This scheme is meant for people who are looking for an ultra money games free play for girl investment and a regular source of monthly income continue reading top of it.
A lot of retired people will fall under this category, and if you fall under that category then you money games free play for girl to evaluate other options like the Senior Citizens Savings Scheme before you invest in this scheme.
OneMint is a blog where I write about things related to personal finance, technology and economics that interest me most, and which I feel will help others make better decisions about their money.
https://socialmedialifestylist.info/2019/bin-tycoon-codes-2019.html hope you find the site useful, and it can help you in your quest of making better financial decisions.
For other comments, or inquiries you can write to me at onemint at gmail dot com.

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Monthly Income Scheme Account is a Post Office Savings Scheme which provides capital protection with regular monthly income, post office mis interest rate 2018 is 7.3% p.a. which can be calculated using post office mis calculator, see mis bonus, fill post office mis form at indiapost.gov.in


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This is a great day to try out the speedway with kids, as guests 12 and under are free!
The hard-charging drivers of the NASCAR Gander Outdoors Truck Series battle for the chance to go to victory lane in the Corrigan Oil 200.
The Truck Series drivers put on a great show in this money games free play for girl event.
The race is exciting and the finishes are always close.
Stick around after the race for the free post-race concert!
The 2019 racing season at MIS concludes on August 9-11.
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With consider, bwin deposit bonus 2019 charming camping, affordable adult prices, special kids pricing, free parking and the ability to bring a cooler with your favorite food and beverages, MIS is the perfect way to end your summer race season.
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01 July 2010 Dear sir please give your views on captioned subject ie whether mis maturity & bonus taxable or not as there are difference in views of colleagues if yes under which head of income please also confirm that mis interest recd yearly will be taxable under income from other sources


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Post Office Monthly Income Scheme – OneMint
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Post Office Saving Schemes: These top 5 will give you high interest - Check key details - The Financial Express Post Office Savings Schemes: Post Offices across India offer multiple savings schemes, some of which offer high interest to the customers.
Post Offices across India offer multiple savings schemes, some of which offer high interest to the money games free play for girl />Post Office Savings Schemes: Post Offices across India offer multiple savings schemes, some of which offer high interest to customers.
They are Post office Monthly Income Scheme Account, 5-Year Post Office Recurring Link Account, Senior Citizen Savings Scheme, 15 year Public Provident Fund Account, and Sukanya Samriddhi Accounts.
So, if you are planning to invest in any of these savings schemes, here is all you need to know about the aforementioned schemes.
The read more investment limit for the account is Rs 4.
Interest rate: The account offers 7.
The deposited amount can be prematurely withdrawn after one year but before three years at a 2 per cent discount of the deposit and after 3 years at the discount of 1% of the deposit.
Discount means a deduction from the deposit.
A bonus of 5% on principal amount is admissible on maturity in respect of MIS accounts opened on or after 8.
No bonus is payable on the deposits made on or after 1.
However, there is no maximum limit to deposition.
On maturity, a Rs 10 account fetches Rs 717.
The account can be continued for another five years on year to year basis Interest rate: The account offers 6.
A subsequent deposit can be made up to the 15th day of next month if an account is opened up to 15th of a calendar month mis bonus in post office 2019 up to last working day of next month if an account is opened between the 16th day and last working day of a calendar month.
If subsequent deposit is not made up to the prescribed day, a default fee is charged for each default.
Default fee at Rs 0.
After 4 regular defaults, the account becomes discontinued and can be revived in two months but if the same is not revived within this period, no further deposit can be made.
There shall be only one deposit in the account in multiple of Rs 1000 maximum not exceeding Rs 15 lakh.
The maturity period is five years.
Premature closure is allowed after one year on deduction of an amount equivalent to 1.
Interest rate: The account offers 8.
Deposits can be made in a lump-sum check this out in 12 instalments.
Maturity period is 15 years, but the same can be extended within one year of maturity for a further five years and so on.
The account does not allow a premature closure before 15 years.
The deposits qualify for deduction from income under Section 80C money games free play for girl the IT Act.
Interest Rate: PPF accounts offer an interest rate of 7.
The interest is completely tax free.
Sukanya Samriddhi Accounts require a minimum deposit of Rs.
Subsequent deposits can be made in multiples of Rs.
Deposits can also be made in lump-sum.
The account can be closed after completion of 21 years.
Interest rate: Sukanya Samriddhi Accounts offer interest rate of 8.
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Post Office Monthly Income Scheme Details In Bangla

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Your account will be opened by post office officials and you can transact after that. Post Office time deposit account (TD): The post office time deposit account is like fixed deposit of banks with different tenures. One can open a time deposit with as minimum as Rs 200. The interest is compounded quarterly and accumulated in the account annually.


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Post Office Monthly Income Scheme PO MIS Post Office Monthly Income Scheme MIS is meant for investors who want to invest a sum amount initially and earn interest on a monthly basis for their livelihood.
The scheme is, therefore, more beneficial for retired persons.
A guardian on behalf of minor or a person of unsound mind.
A minor who has attained the age of 10 years.
Where amount is deposited in excess of the specified limit, the depositor shall be requested to withdraw the same.
Such excess deposit shall carry the POSB interest rate from the date of deposit till the date of withdrawal.
Any number of accounts can be money games free play for girl subject to the maximum prescribed limit for deposit.
Six years for accounts opened upto 30th November 2011.
Five years for accounts opened after 1st December 2011.
No bonus is payable on accounts opened on or after 01.
Discount means deduction from the deposit.
No bonus is applicable to any premature closure of the Account.
The contents of this site cannot be treated or mis bonus in post office 2019 article source a statement of law.

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# Who can open Post Office Monthly Income Scheme or MIS ? An individual in single or jointly with one or more adults together can open this account. An individual can be guardian to the minor kid or of unsound mind individual. If the kid’s age is more than 10 years, then he can open and operate the account on his own.


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Below is the latest Post Office Small Savings Schemes interest rates Jan-March 2018. I highlighted with green colour wherever there is no change in interest rate. Post Office Small Saving Schemes Interest rates trend FY 2016-17 and 2017-18. Below is the interest rate trend for FY 2016-17 and FY 2017-18.


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Safety and the constant stream of income are the requirements for many of us.
The best product for such investors is Post Office Monthly Income Scheme or MIS.
Let us try to understand about the features of this scheme.
Who can open Post Office Monthly Income Scheme or MIS?
An individual in single or money games free play for girl with one or more adults together can open this account.
An individual can be guardian to the minor kid or of unsound mind individual.
However, HUF or NRIs not allowed to open this account.
What is the minimum and maximum limit of Post Office Monthly Income Scheme or MIS?
This is the one-time investment product.
You invest a lump sum and start to earn monthly income.
The minimum amount you can invest is Rs.
If you have a joint account, then you can invest up to Rs.
You can open as many accounts as you can.
But the combined limit under your head must not cross Rs.
Let us say Mr.
X opened the account with the deposit of Rs.
Along with this, he opened one more account with his wife Mrs.
X in joint name.
In this joint account, he deposited Rs.
X the total investment is Rs.
So his limit for investing in Post Office Monthly Income Scheme or MIS for Mr.
X the investment is considered as Rs.
Hope this is clear now.
But do remember that Mr.
For such minor accounts, Mr.
X individual limits will not be considered.
I noticed that few portals mentioned that minor account is a maximum limit of Rs.
However, the same is not mentioned on.
Let us say if someone opened the joint account with three members and the amount deposited is Rs.
Then, for consideration of maximum limit, the deposited amount is equally considered among all depositors.
Like for all individuals, it is Rs.
You can convert the individual account to joint account and vice versa.
If the account is opened in the name of minor, then you have to inform to post office and convert it to the normal account.
What if you deposit more than the prescribed limit?
If post office department come to know about such breach of limit, then they inform you to immediately withdraw the excess amount.
Such excess deposited money will earn only post office savings account interest rate.
The period will be from the deposit of such excess amount to the end of the month preceding the month in which the depositor has been requested to withdraw such excess amount in the account.
What is the rate of interest of Post Office Monthly Income Scheme or MIS currently?
Currently for 1st April, 2016 to 30th June, 2016, the interest rate is 7.
The interest rate will change on a quarterly base.
However, you will get the interest of what it is during the time of deposit.
Do remember that interest rate nowadays changes for all Post Office Schemes on a quarterly basis.
However, for you, the interest at the time of depositing will be applicable for you throughout the 5 years period.
How you receive the interest in Post Office Monthly Income Scheme or MIS?
The interest will be payable on a monthly base.
Let us say you deposited the money on 3rd June, 2016.
You will r the money from 3rd July, 2016.
The date of a payout will be 3rd of every month as you deposited the money on 3rd of June.
What is the tenure of Post Office Monthly Income Scheme or MIS?
Earlier it was 6 years.
Now it is reduced to 5 years.
What if you not withdraws the money after 5 years?
After the completion of 5th year, if you not withdrawn the amount and interest, then such accounts will earn the simple interest of post office savings account up to 2 years ONLY.
After that period, it will be kept idle forever.
Whether nomination facility is available in Post Office Monthly Income Scheme or MIS?
Yes, one can nominate to this investment either at the time of investment or during the tenure of this web page scheme.
If you want to nominate after opening the account, then write an application and submit it at the concerned post office along with passbook.
What are the tax benefits of Post Office Monthly Income Scheme or MIS?
While investing in this scheme, you will not get any tax benefits.
Also, whatever the interest you receive on monthly base is taxable income for you.
The one big relief is that there is no TDS on such interest payout.
Because it is taxable income.
You have to show the interest income and pay the tax as per your tax slab.
The money deposited in this scheme will be exempt from wealth tax.
How you can receive the interest?
There are three ways to receive the money.
In case of MIS accounts standing at CBS Post offices, monthly interest can be credited into savings account standing at any CBS Post offices.
If you not claim the interest rate, then such earned interest will not carry any further interest accumulation.
He will receive the interest either in cash or cheque as per the wish of the depositor.
This facility can be availed only if the cheque amount is more than Rs.
In the event of loss of cheques by the payee, duplicate cheques will be issued only after the payee has signed an indemnity bond and the reconciliation period validity period of the cheque plus one month reconciliation time click the following article elapsed.
In the event of preclosure of account, then account depositor must return the unused cheques along with a penalty of Rs.
In the event of a death of a click the following article, nominee or legal heir will have to return such unused cheque but they no need to pay any penalty on this.
At the end of 5th year, account holder receives the amount through cheque only.
If the interest payout due date is on Sunday or postal holiday, then the interest will be credited on immediate preceeding working day.
Let us say you opened the account on 31st July, 2016.
Then every month interest will be payable on 31st.
However, few months will not have this date.
In deposit mermaids palace 2019 no a situation, the interest will be payable on last day of that month.
Means on 30th of that particular month where there is no 31st day and in case of February it is either on 28th or 29th of February.
Whether premature withdrawal available?
Yes, but only after a year.
If you withdraw after a year but before 3 years, then they deduct 2% on your invested amount.
Any bonus payable at maturity?
As of now code promotion orient 2019 express is no such facility.
However, accounts opened on or after 8.
It means, if you deposited Rs.
Now such bonus facility is not available.
How you can deposit money?
You can deposit the money in cash, cheque or DD drawn in favour of the depositor or the Postmaster of the post office and endorsed in favour of the Postmaster.
What happens if depositor dies?
The nominee or legal heir must close the account.
They are not allowed to continue the account.
The deposited amount along with the interest up to the month preceding the month in which refund is made will be payable to legal heir or nominee.
What happens if a depositor dies in case of a joint account?
Once the death of the joint holder, the account will be treated as single account in the name of surviving account holder.
If post office found excess deposit in such a situation, then the surviving depositor must withdraw such excess amount immediately.
If the interest is already paid as per MIS rates, then such excess interest will be adjusted in future monthly interest payout.
Whether we can transfer this account from one post office to another?
Yes, the account can be transferred from one post office to another post office across India.
Whether monthly interest can be automatically deposited into Post Office RD?
No, it will not be deposited automatically.
The interest of MIS will be deposited to post office savings account.
From there, you can deposit to RD account.
How mis bonus in post office 2019 open the Post Office Monthly Income Scheme or MIS?
You have to submit the following documents for opening the account.
Who can invest Post Office Monthly Income Scheme or MIS?
The monthly income generated from this scheme is taxable income.
However, the only thing that keeps people invest in such schemes is the constant stream of income.
We Indians first look for safety to our principal and returns on that.
But we never bother whether such low or negative real return affect us or not.
If you are very much happy with SAFETY and kind of around 7.
This scheme may be paradise for those who looking for fixed return from Government.
Basavaraj Tonagatti is the man behind this blog.
He is SEBI Registered Investment Adviser who is practicing Fee-Only Financial Planning Process and also an Independent Certified Financial Planner CFPengaged in blogging since 7 years.
BasuNivesh blog is ranked as one among India's Top 10 Personal Finance Blog.
The purpose of this blog is to "Spread personal finance awareness and make them to take informed financial decisions.
These should not be construed as investment advice or legal opinion.
Because it is treated as BOTH of your income but taxation will be under the head of the first holder.
I have a kishan vikas patra which is 3 year old and a mis which is one year old jointly with my son.
I am the first applicant and want to withdraw the same.
Can i do the same without the sign of my son since he is not willing to sign.
Pl suggest I heard that recently the ruling on tax deduction on MIS interest is Rs.
Tnx for sharing the information.
But pls describe limit for senior citizen and divyang But now the FPO where I opened my rd, SB account and mis is dismantled.
Is there any other procedure for such problem.
Sir I have opened my SB account rd account and mis at FPO but now they are closed and they give me 10digit account no and say that now you can access to any civil post office but now my rd account is mature.
From where I get liquified my rd account as no civil post office take interest in it.
I have given Rs 6 lacks HDFC cheque to post office to open Time deposit my money debited 15 days back but post office staff saying still we are not received any confirmation from our head office when we receive confirmation then we will open new TD account please help me what can I do for this…Thanks Hi, My father had a joint POMIS with my mom,now after his death I need to withdraw the excess amount, will this withdrawal associate any penalty?
Hi sir, I have similar question.
In monthly investment scheme.
Can second holder alone withdraw the money after maturity If one of joint account holder passed away before maturity time?
As I have an MIS with joint name of my wife for Rs.
I got an Insurance Policy Matured now for Rs.
Can I add this amount on the existing MIS or should I have to open nice onbling casino no deposit 2019 join new account MIS pl advise?
Even though the mother is a guardian, it is considered as her investment only.
Dear Srikanth, I already cleared this point in above post.
You can withdraw this only after a year but not before that.
I have opened 3 MIS joint accounts with my sister of 3 lakhs each.
In two accounts I am the 1st applicant And the 3rd one she is the 1st applicant.
As you this because while opening the MIS account i was told the money gets divided however now they are saying the entire amount reflects under the 1st applicants name Nikita-Your total investment is Rs.
Hence, 50% of that is Rs.
Who will have to pay the tax?
First account holder or Both 50% each?
Thanks for your quick response.
How about account in the name of a minor.
Is it required to go via a agent to open a POMIS account or we can get it done directly from a post office?
Gayathri-In case of minor, the taxation is in the hands of guardian clubbing provisions applies.
Agents not required to invest POMIS.
At present i am not working and do not have have any source of income.
HOW i can open mis account from online without going to postoffice.
Dear Mr Basavaraj, After reading your article several times and the questions answered by you, I am still not 100% clear on a particular situation : I have : One MIS for Rs.
Parent name : my wife One MIS for Rs.
Parent name : my wife One MIS for Rs.
Is there any violation?
The PO agent says no problem.
Today my daughter is 17 and son is 13.
Do the PO own for the error on opening a single type account for my son who was less then 10?
Suresh-I already pointed that for minor account, your individual accounts limit will not be considered.
In your wife case, from joint account you can consider Rs.
Also, she is guardian of your both kids account which is separate issue.
Highly appreciate your quick response.
Does it mean there is no violation and all the 3 MIS can continue and mature as per time?
Thanks once again Sir.
I am raising this today as my PO Agent called and informed to me that you have to close one MIS and will not get any interest for the same nearly 4 years passed Mr Bash, is there any other way to cross check and I can talk to them on that basis.
As I can not see their system.
It will be an extreme step to tell them to give in writing.
They are behaving in a rude way.
It is possible to talk only with some evidence.
I am showing my account statement of clearance.
They are saying it passes through STATE BANK OF INDIA.
And there were 3 hoildays in between.
So taking time to reflect.
Srikant-The biggest mistake you did is dealing with Post Office.
They neither heed nor knowledge or patience to listen.
We have opened a joint mis account.
We want to tranfer the account.
Is it necessary that both person should sign the transfer document or is it okay if only one person signs it.
How to know the cheque realisation date in MIS scheme while opening new MIS account.
My bank account is showing cheque cleared.
But post office is saying it is not showing in their system.
What is the role of STATE BANK OF INDIA here.
I have given the cheques on 18th Jan 2018.
The cheque got debited from my account on 22nd Jan 2018.
Now the post office is telling me to wait.
Where to cross check the status?
Then what exactly the post office is waiting for?
The post office is telling me to wait as it is not showing in their system.
Should I believe this?
How to check this?
Dear Sir, I want to open a join account with my wife in POMIS.
I will make a deposit from my salaried account.
Now the question is can we treat the monthly income from this scheme as exclusively earned by my wife so that she only files the income tax in her name for this income?
Or do I also have to show any part of it in my total income for the purpose of tax?
Hello Sir, I want to deposit some amount for long period.
Is there any scheme through which I get double amount after some years later.
Actually I heard somewhere this facility available in post office.
Thanks Ashok-LONG PERIOD, DOUBLE AMOUNT AFTER SOME YEARS and I HEARD SOMEWHERE-All these words making me hard to guide you.
Sir my son is 6 years old.
Sir on maturity after 5 years can i reinvest the same amount for next five years on same joint account.
Seshaiah-You can close the MIS without passbook.
Passbook is not a mandatory thing to close the account.
Dear Govind, You can apply for duplicate passbook.
Once it is issued, then you can apply for closure.
Sir agar Mai interest mis account se permonth withdrawal krta hu, then after 5 years Jo principle amount h uspe tax cut karke milega kya?
Example:mai 100000 rs ka mis karta hu to months muje 620 rs interest milega or Mai us interest ko monthly withdrawal Kar luthen 5 yrs baad 100000 m kuch amount Kat k milega Kya?
What can I do in this regard…please just click for source me Thank you They saying me mistekenly happened this,if want re open need to close that account for that penalty will be 2% …they saying we are sorry in this regard you are loosing only 5 days intrest bare it.
My main doubt is that these dates will create any problem at a time of maturity or not?
If any problem will come that time now I will close the account,if no problem I will continue that account Sir, My dad expired on 30th dec, 2013.
He had MIS in the PO.
I misplaced the books.
How do I get the numbers and claim that amount?
Sir meri mom ka MIS ac.
Iska procedure batae plz I have open MIS join B type account past 5 years.
And can the interest earned deposited in recurring directly in post office itself?
Priya-Along with KYC, you have to provide PAN card also.
Hence, Aadhaar is the part of KYC process but not mis bonus in post office 2019 complete process.
I have 2 savings account in 2 different post office.
Can i keep the both the post office saving account book in different post office.
I want to have my minor child also as a joint holder in it.
Can you please guide me on this.
Otherwise, KYC is mandatory.
Please be in touch with Post Officers in advance for the same.
Hello Exclusive casino no bonus 2019, I am also curious to know about this process of withdrawal.
Next month please inform us about how you got your money, 2019 proroga bonus videosorveglianza documents they asked, whatever they asked you to do… Thanks, Raj.
Sir I m only son of my father.
Complete the KYC process and then you can claim that amount.
Hi, My Mother-in-law have a MIS account and nominated her daughter.
But https://socialmedialifestylist.info/2019/viking-discount-code-february-2019.html daughter doesnt know the MIS account no.
Kindly advise how the daughter can withdraw the MIS amount.
Gopinath-Better she takes the help of post officials to identify.
It may be hard but not difficult if the officials try to find.
Tried with all the post office official in the branch.
They couldnt help or dont know how to help without the MIS Account no.
They can tell account number and even maturity date and amount.
PUT this problem via RTI on superindent or information officer.
Dear Basu, I am following up on my earlier query.
My sister opened MIS in 2006 while she was in Bangalore.
Now she is working in US and has taken US citizenship.
She does not have PAN, Adhar or Voters ID.
Please advise what documents she needs to present in order to claim the maturity amount.
Priya-It is normal KYC documents like PAN and Address Proof.
If she does not have, then let her show the reasons saying her citizenship proof of other countries.
Hello sir, I want to open a MIS joint account in post office.
Is there any commission I got if I go through with agent if yes than please tell me how much.??
Ashok-No such commission benefits if you go direct.
Hence, better to take an advantage of agent and invest.
Hello, I think the interest earned every month can be credited in a 5 yr RD in post office.
Automatic transfer option is possible.
I need to know one important information.
Suppose I open MIS and make the automatic transfer to RD.
After 5 years I want to withdraw the maturity money from RD and my initial money.
I planet7 no deposit april 2019 to know what are the documents will a post office ask me.
Because, I already opened and left India now nri.
Will post office ask question me by asking me to show any proof?
Income tax return I never done in my life?
Or it is just like.
Thank you for your reply.
Till today my claim has not been settled by the Postal Department.
On contacting the Post Master of the concerned Post office he has assured me that he will contact me over phone once the cheque is ready at their end which he has not done till date.
Under the above circumstances I want to know as to how I can proceed against the Post Office and will I be entitled to any interest till such time I get the refund.
Kumar-You no need to wait a single day.
You go, sit in front of the Post Master, and let him finish and then only leave the chair.
Is the bonus amount received on maturity of MIS taxable?
If taxable, kindly intimate how this amount is to be shown in the return?
Is it income from other sources or long term capital gain For opening MIS account, deposit the cheque or DD drawn in favour of the the Postmaster of the post office is safe?
Will you plz eplain me what does this mean- interest will also be allowed on d accounts of d deceased deposit upto d closw of d month preceding d month in which payment is actually accepted Dear Basu, My sister and I opened a MIS account in 2006 which matured a few years ago.
Now for some years we both have been living abroad and my sister first holder has taken US citizenship.
When I went to claim the maturity amount they are asking for Aadhar card, etc which we do not have.
Could you please advise how we can get back our maturity amount?
Many thanks, Priya Ratna Priya-Sadly KYC is mandatory and you have to submit it.
Sorry Sir In my earlier comment i mentioned wrong date of investment.
It is June 2012.
Will we get bonus of 5% o no now on maturity?
family bonus payment 2019, you are not eligible.
Hi, My husband died in 2017 january.
He had a joint account in post office MIS with me.
Hi, My uncle had an account and he died in September 2016.
His account had no nominee.
He was not married too.
Can someone withdraw that amount?
Rajesh-I am not aware about how much you are dependent on this Rs.
Hence, you can open it.
However, do you feel MIS is so great product think the returns after post tax.
I have an MIS account for Rs.
As we have equal share in the principal amount, the interest derived thereon is also shared equally.
So, for tax purposes, the interest on Rs.
My investment was from my savings as a retired bank official.
My wife invested from her interest income on STDRs standing on her name.
Why I am asking is, if the source of her deposit is from your income, then the interest income will be clubbed in your income for taxation purpose.
So will you tell how much amount in form of cheque i want to pay to open a New account of MIS and how much Interest i will get from this scheme.
Mrinal-The minimum and maximum limits are already explained.
What is the financial liability of the Postal Department if treasure mile no deposit bonus codes Agent commits fraudulent irregularity in remitting the amounts received from the investor under Recurring Deposit Scheme.
Because it is the responsibility of investor to verify every month.
Blind belief may cost you more.
Sir, I have query w.
Postal scheme Monthly Income Plan.
They do inform but at the time of maturity.
Now Post office has deducted interest paid for last 5 years i.
What best can be done as this is huge loss for the beneficiaries.
After that period, it will be kept idle forever.
However, in this case it is death.
Hence, I suggest you to let them show the rules not orally but with written.
SIR, Thanks for your prompt reply.
However, I am not clear whether the beneficiary can get Rs.
As in the subject case, it was joint account and the person whose name was first died in between.
Agent informed the family that there is no need to inform the Post Office and at the time of maturity it can be informed.
Once informed, after 5 years Post Office deducted the amount paid over 5 years as interest.
Can we get any benefits if we again approach the Post Office Regards Yashwant-They may claim you hid intentionally.
However, as it is joint account, the only action required is deletion of first holder and continue the MIS as usual.
But instead they not ready to give you interest.
Hence, suggesting you to request them to give in written.
Dear Sir, I would like to invest Rs 4.
Will that Postmaster accept the outstation cheque.
How much amount of interest will I get per month.
On maturity after five yearshow much amount will be payable Parmar-Check with the concerned post office regarding the cheque issue.
In above post, I already explained the interest payout rates and what you get at maturity.
The maximum limit is Rs.
If you have a joint account, then you can invest up to Rs.
You can open as many accounts as you can.
But the combined limit under your head must not cross Rs.
All these years for the past 4 yrs she has been receiving the interest personally thro cash in the respective post office.
They may be doing so as there is cash crunch.
Hello Basavraj, Can you please research on Monthly income plan available in Market and help me choosing the best one.
Time horizon is 15 years.
Regards smitha Smitha-If your monthly income requirement is after 15 years, then why you are looking for Monthly Income Schemes for NOW?
Sir I invest 4 lak 50 housand 9 month back at rate of interest 8.
Sir i was not submited 15 g form.
The accounts were transferred but the interest amount for 20 months did not.
What should I do?
Kindly advise Rupak-Why they not transferred the interest part?
Check with concerned Post Office where you now transferred.
Hi, Couple of our MIS accounts got matured.
These are joint accounts.
As we are unable to reach the parent post office at West Bengal the amount remains ideal.
What would be the rate of interest if I am unable to renew those?
Will it be possible to get those matures MIS accounts getting transferred to Bangalore so that we can renew it over here and operate easily?
Rathore-Yes, you can apply for transfer at the base branch.
After the completion of 5th year, if you not withdrawn the amount and interest, then such accounts will earn the simple interest of post office savings account up to 2 years ONLY.
After that period, it will be kept idle forever.
Hello Sir, My parents invested 9 lakh in post office MIS.
Unfortunately my father died in 2012when we recently went to close the account as the closure date.
PO said to return the interest from the month of the fathers death.
Please guid Hello, Say an amount of 4.
Regarding Post office ATM card, can it be used for transfer from one PO account to another and also to transfer from PO to Bank and vice versa?
Also, is one card issued per PO scheme that one invests in or for all schemes collectively?
In an age when nobody be it a lawyer, CA or other professional opens their mouth unless they see the money flashing, services such as this should be lauded!!
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Jos-I am not sure about the Post Office ATM feature.
Check with the concerned Post Office.
Nishanth Nishanth-It is easy for you to share your requirement in few lines.
You can give me ur best advice, the risk is obviously mine not yours.
Nishanth-Are you able to share your all personal financial data on this platform?
Then only I am able to guide you.
It is hard for you to share your personal information on such public platform.
Can, I invest same amount in MIS for next 5 years?
Mis interest is taxable income, means??
And if I deposit 4.
And how to pay tax for this income??
Sorry for my English.
Pay the tax as per your applicable tax.
Plz correct it Whether monthly interest can be automatically deposited into Post Office RD?
No, it will not be deposited automatically.
The interest of MIS will be deposited to post office savings account.
From there, you can deposit to RD account.
Sir plz note that yes it is possible.
Here, what I am going to point is MIS to RD is not possible.
MIS to SAVINGS ACCOUNT to RD is possible.
Under current money games free play for girlWhat is the best PIM Scheme or the FD with interest pay out every month.
FD after maturity if reinvested ,does it have tax exemption on the interest earned.
Can the POIMS, be linked to Saving bank account of banks?
2019 codes treasure bonus island the Post office saving account ,have facility of ATM ,online transaction etc.
Thanks In advance Sachin-Any interest income from FD is always taxable.
As of now, post office not provide you ATM facility.
Can the account be opened in the name of minor and self name.
Will it be an individual account or joint account.
Sachin-I already mentioned the same in above post.
If an individual open one account in his name and another account as guardian to minor then the limit for such an individual is only Rs.
Even if PIMS rate of interest is less the interest payout on monthly base work out to be more beneficial.
For example FD with 9% interest and payout after mis bonus in post office 2019 year is not best with PIMS with interest rate of 8% and monthly payout.
You get the cash immediately than waiting for a year.
It all depends on you your own requirement.
As they offer little extra Return as compare to liquid or short term funds.
You are requested to kindly let me know should i invest in dynamic bond funds instead of liquid fund and fd.
Regards Paritosh Paritosh-Dynamic bonds are riskier than liquid and short term debt funds.
You can invest based on your risk appetite.
Dear basa It is not looking as attractive as others government schemes with such a low interet rate and vanished tax banefits.
Dear Sir, I had taken LIC endowment Plan sum assured of Rs.
Is it possible, can i get whatever i paid money so far?
I feel that these policies will give less return after completion of respective years.
I would like invest this money in MF instead of paying to this policies.
Guide me sir regarding of it.
Srinivasan-Yes, you can surrender.
But regarding values, I suggest you to contact respective insurer.
Sir, Thanks for reply.
Please give me guidance for buying share for making good portfolio for retirement plan?
Thank you sir for your replies to every comments.
Sir my my question is if MIS does not pay any maturity benefit then should we deposit our money only for such a low interest and that is too taxable.
Plz sir justify it.
Vikram-Why not MIS pay you any maturity benefit?
Low-interest rate and taxation are the concern you have to think while opening it.
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