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Post Office Scheme: Invest in this scheme with your wife, you will earn ₹1,11,000 every year sitting at home, check scheme details here

While investing, everyone thinks about earning maximum profit. There are some schemes Post Office Monthly Income Scheme: where you cannot earn as much profit alone as you can with the help of your wife. Post Office Monthly Income Scheme is also one such scheme. Through this scheme, you can get fixed income every month. But if you invest in it together with your wife, then you get a chance to earn more profit, as well as your invested amount is also completely safe. Through this scheme, husband and wife can earn up to ₹ 1,11,000 every year. Understand how.

This is how you earn more with your wife

POMIS is a deposit scheme in which interest is earned every month. This scheme allows opening of both single and joint accounts. The deposit limit is low in a single account, while it is high in a joint account. Interest is earned on the deposited amount and the deposited amount is returned after 5 years. In such a situation, your deposit is also completely safe. If husband and wife invest in this scheme together, then they can invest more in a joint account and earn more on that amount.

How much can be deposited in a joint account

In this scheme, you can deposit up to Rs 9 lakh in a single account and Rs 15 lakh in a joint account. Currently, this scheme offers an interest rate of 7.4 percent. Apart from your wife, you can open a joint account with your brother or any other family member. Since the joint income of the husband and wife is a part of the same family, it is advisable to open an account with your wife to get more benefits.

This way you will earn 1,11,000 rupees annually

Currently, the Post Office Monthly Savings Scheme is giving an interest rate of 7.4%. If you deposit Rs 15 lakh in it along with your wife, then you will earn Rs 9,250 per month at the rate of 7.4% interest. 9,250 x 12 = Rs 1,11,000. In this way, you can earn Rs 1,11,000 every year and earn Rs 5,55,000 from home in 5 years.

How much will you earn in a single account?

If you open this account as a single account, you can deposit a maximum of 9 lakh rupees. In this case, you will get an interest of 5,550 rupees every month. In this way, you can get 66,600 rupees as interest in a year. 66,600x 5 = 3,33,000 rupees, in this way, you can earn a total of 3,33,000 rupees through interest in 5 years through a single account.

The deposit amount is returned after 5 years

The interest earned on the deposit made in the account is paid every month in the post office savings account. Meanwhile, the deposited amount remains completely safe. After 5 years, you can withdraw your deposited amount. If you want to take advantage of the scheme further, you can open a new account after maturity.

Who can open an account?

Any citizen of the country can open an account in the Post Office Monthly Income Scheme. An account can also be opened in the name of a child. If the child is less than 10 years old, his parents or legal guardians can open an account in his name. When the child is 10 years old, he can also get the right to operate the account himself. For MIS account, you must have a savings account in the post office. It is mandatory to provide Aadhaar card and PAN card for ID proof.

Shyamu Maurya
Shyamu Maurya
Shyamu has done Degree in Fine Arts and has knowledge about bollywood industry. He started writing in 2018. Since then he has been associated with Informalnewz. In case of any complain or feedback, please contact me @informalnewz@gmail.com
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