More beneficial than bank FD! This scheme of post office will give guaranteed income every month sitting at home, 100% government guarantee

Do you also want to invest your lifetime savings in a place where there is no risk and you get a fixed income every month while sitting at home? If yes, then the Post Office Monthly Income Scheme (MIS) is made just for you. It is no less than a boon for those who are retired, housewives or who want to stay away from the ups and downs of the stock market. So what is it? This MIS scheme? Understand it in simple language. This is a government “pension” like scheme. You just have to deposit money in the post office once, and in return, the post office keeps giving you interest on your deposited money every month for the next 5 years. On completion of 5 years, you get the entire amount of money deposited back. This interest comes directly into your post office or bank savings account, from which you can easily pay your monthly small expenses like electricity bill, medicine expense or house rent. The most important features of this scheme (Key Features) 100% security guarantee: Because this is a Government of India scheme, therefore, each and every penny of yours and the interest received on it, both remain completely safe. No fear of drowning. Fixed income every month: You get money every month on a fixed date, which makes it very easy to make a household budget. How much money can you deposit? Minimum: ₹ 1,000 In the name of one person: Maximum ₹ 9 lakh In a joint account of two people: Maximum ₹ 15 lakh How much interest will you get: The interest rate is decided by the government every three months. Currently it is running at around 6.6% per annum (from April 2025). Major benefits of this scheme: TDS is not deducted: TDS is deducted on the interest on bank FD, but no TDS is deducted on the interest received under this scheme. Very easy: You can open this account by going to any post office in any corner of the country. Nominee facility: God forbid, if something happens to the investor, the deposited money is easily transferred to the nominee made by him. Who can open this account? Any Indian citizen, whether single, two or three people together (joint account), or parents can open this account in the name of their minor child. How to open it Account?Just go to your nearest post office. From there, fill the MIS form, submit your identity card (Aadhaar, PAN card), address proof and photo and deposit the amount for the first time. That’s it, your account is activated! This scheme is a great option for those who want “zero risk and guaranteed returns” on their savings.