Open this account with your wife, you will get an interest of Rs 9250 every month with a guarantee.

Post Office MIS Scheme: If you also want to earn sitting at home, then the post office scheme will be a better option for you. You can open an account in this together with your wife and earn. Let us know about this scheme in details

If you want to earn money every month sitting at home, this news is useful for you. You can earn money sitting at home by investing in Post Office's Small Savings Scheme. For this, you will have to open a joint account in the post office with your wife. After which your guaranteed income every month will be from interest only. Yes, we are talking about the monthly income scheme of the post office… By making a lump sum investment in this, you will get Rs 9250 every month in maturity. Husband and wife will get this amount separately. That means the account is double the income. The government has also doubled its limit in Budget 2023 itself. In this scheme, you can open both single and joint accounts. Let us give you more information about the scheme.

This much will have to be invested

You can invest up to Rs 9 lakh in the Post Office Monthly Income Scheme under a single account. At the same time, in joint account i.e. wife and husband together can invest Rs 15 lakh. At present, investors are getting 7.4 percent annual interest on this scheme. If you wish, you can withdraw the total principal amount after the maturity period. Or you can extend it for 5-5 years. At the same time, your monthly income will also be Rs 9250 from the interest on the account.

Joint account of husband and wife will be beneficial

The investor gets guaranteed monthly income on the post office's MIS scheme. Suppose, both of you have opened a joint account in this scheme and have deposited Rs 15 lakh in it. Now you get Rs 1,11,000 annual interest on this investment at the rate of 7.4 percent. Now if you divide it over 12 months, you will get Rs 9250 as interest every month. You can open an account in this scheme together with three people. The interest received in the account will be given equally to every member.

Will there be loss on withdrawal before maturity?

The maturity of the MIS scheme of the post office is after 5 years. By the way, you get premature closure for this. You can withdraw money after one year from the date of deposit. But if you withdraw money between one year and three years, you will get the money back after deducting 2% from the deposit amount. Whereas, on withdrawing money after 3 years, you will get the remaining amount after deducting 1%.