Post Office Monthly Income Scheme Alert: Know how you can earn regular income every month The Post Office Monthly Income Scheme (MIS) is a low-risk investment scheme offering steady income. DNA Web Team Mar 15, 2021, 05:09 PM IST The Post Office Monthly Income Scheme (MIS) is a low-risk investment scheme offering steady income. The MIS scheme pays interest each month and is suited for those who seek regular or supplementary income from their investments. Your money is safe until maturity as this is a government-backed scheme. Know all about Post Office Monthly Income Scheme (MIS) here. 1. Maximum investment limit 1/5 An account can be opened in multiples of Rs 1000. The maximum investment limit is Rs 4.5 lakh in single account and Rs 9 lakh in joint account and the investment period is 5 years.