Post Office MIS vs 8th Pay Commission Pension: Strategy to Earn ₹9,250 Extra Every Month
Updated: January 8, 2026 | Financial Strategy Report
For Central Government retirees in 2026, the double benefit of the 8th Pay Commission pension hike and the Post Office Monthly Income Scheme (MIS) presents a golden opportunity. By strategically reinvesting your 8th CPC arrears into a government-backed MIS account, you can create a secondary “salary” that complements your revised pension.
Also Read: Don’t miss the latest 8th Pay Commission Fitment Factor Updates to calculate your exact pension hike.
Post Office MIS 2026: Interest Rates and Limits
As of January 1, 2026, the Ministry of Finance has maintained the interest rate for the Post Office Monthly Income Scheme at 7.4% per annum. This scheme is ideal for conservative investors who require a fixed payout on a monthly basis without any market risk.
| Feature | Individual Account | Joint Account |
|---|---|---|
| Maximum Investment | ₹ 9 Lakh | ₹ 15 Lakh |
| Monthly Payout (7.4%) | ₹ 5,550 | ₹ 9,250 |
Combined Income: 8th CPC Pension + MIS
Under the 8th Pay Commission, the minimum pension is expected to rise to approximately ₹20,500. By adding a joint Post Office MIS payout of ₹9,250, a retired couple can ensure a total monthly liquidity of nearly ₹30,000, even before considering additional Dearness Relief (DR).
Monthly Income Calculator (7.4%)
*Individual Limit: ₹9L | Joint Limit: ₹15L