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Post Office MIS vs TD: Where to Invest ₹5 Lakh for Better Returns? Find Out Here!
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News18•24-09-2026, 16:44
Post Office MIS vs TD: Where to Invest ₹5 Lakh for Better Returns? Find Out Here!
- •Post Office Time Deposits (TD) and Monthly Income Scheme (MIS) are popular small savings schemes offering various financial services.
- •Post Office TDs offer higher interest rates than bank FDs, with 5-year TDs currently providing 7.5% interest.
- •Investing ₹5 lakh in a 5-year TD could yield approximately ₹2,24,974 in interest, with a total maturity value of ₷7,24,978.
- •Post Office MIS with ₹5 lakh investment at 7.40% annual interest provides approximately ₹3,083 monthly, totaling ₹1,85,000 interest over 5 years.
- •The choice between MIS and TD depends on investment goals: MIS for regular monthly income, TD for a lump sum profit and shorter-term options.
Key Questions Answered
Post Office Time Deposits offer higher interest rates compared to bank FDs, though there is no difference between them except for their names and issuers.
Currently, Post Office Time Deposits offer 6.9% interest for 1-year terms, 7% for 2-year terms, and 7.5% for 3- and 5-year terms.
Investing ₹5 lakh in a Post Office MIS at a 7.40% annual interest rate yields about ₹3,083 per month, totaling ₹1,85,000 in interest over five years alongside your returned capital.
