{"id":15789,"date":"2026-08-25T14:44:53","date_gmt":"2026-08-25T09:14:53","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=15789"},"modified":"2026-08-25T14:46:45","modified_gmt":"2026-08-25T09:16:45","slug":"post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/bond-news\/post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income\/","title":{"rendered":"Post Office MIS vs Bonds in 2026: Which Is Better for Monthly Income?"},"content":{"rendered":"<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">\ud83d\udcdd Quick Summary:<\/div>\n<h2 class=\"gpi-custom-widget-h2-content\"><span class=\"ez-toc-section\" id=\"This_article_breaks_down_how_Post_Office_MIS_stacks_up_against_RBI_Floating_Rate_Bonds_corporate_NCDs_and_PSU_bonds_covering_current_rates_risk_tax_treatment_and_who_each_option_suits_best\"><\/span><strong>This article breaks down how Post Office MIS stacks up against RBI Floating Rate Bonds, corporate NCDs, and PSU bonds, covering current rates, risk, tax treatment, and who each option suits best.\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n\n\n<p>If you\u2019re retired, semi-retired, or simply appreciate the reliability of a predictable sum of money flowing into your account every month, you\u2019re likely considering POMIS and bonds. Both offer stable cash flows with low volatility, but each of them has unique characteristics that impact the savings return, safety, taxation, and the cost of exit in case you change your plans. Let&#8217;s break it down plainly.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income\/#This_article_breaks_down_how_Post_Office_MIS_stacks_up_against_RBI_Floating_Rate_Bonds_corporate_NCDs_and_PSU_bonds_covering_current_rates_risk_tax_treatment_and_who_each_option_suits_best\" >This article breaks down how Post Office MIS stacks up against RBI Floating Rate Bonds, corporate NCDs, and PSU bonds, covering current rates, risk, tax treatment, and who each option suits best.\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income\/#Post_Office_Monthly_Income_Scheme_POMIS_Explained\" >Post Office Monthly Income Scheme (POMIS) Explained&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income\/#Bonds_for_Monthly_Income_RBI_Bonds_NCDs_and_PSU_Paper\" >Bonds for Monthly Income: RBI Bonds, NCDs and PSU Paper&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income\/#POMIS_vs_Bonds_Head-to-Head_Comparison\" >POMIS vs Bonds: Head-to-Head Comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income\/#Which_One_Should_You_Choose_in_2026\" >Which One Should You Choose in 2026?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income\/#Sources\" >Sources<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income\/#Disclaimer\" >Disclaimer<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Post_Office_Monthly_Income_Scheme_POMIS_Explained\"><\/span><strong>Post Office Monthly Income Scheme (POMIS) Explained&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>POMIS is about as simple as fixed income gets. You deposit a lump sum, and the post office pays you a fixed monthly interest for five years. The rate is currently 7.4% per annum <sup>[1]<\/sup>, a rate that has remained unchanged since April 2024 and is reviewed quarterly by the government.&nbsp;<\/p>\n\n\n\n<p>A few things make POMIS distinct:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Maximum investments for an individual account and a joint account are \u20b99 lakh and \u20b915 lakh, respectively, with an initial investment of only \u20b91,000 <sup>[1]<\/sup>.\u00a0<\/li>\n\n\n\n<li>Interest is fully taxable and does not qualify for the Section 80C deduction, but there&#8217;s no TDS, so tax reporting responsibility sits entirely with you.<\/li>\n\n\n\n<li>After the rate is confirmed, it stays the same for the subsequent 5 years, even if the government revises rates later, which is a considerable positive if rates are expected to drop.<\/li>\n\n\n\n<li>Premature exit isn&#8217;t allowed before one year; closing between one and three years attracts a 2% deduction from the principal and, between three and five years, a 1% deduction <sup>[1]<\/sup>.<\/li>\n<\/ul>\n\n\n\n<p><strong>Example:<\/strong> If Meera were to invest \u20b99 Lakh in POMIS, she would earn roughly \u20b95,550 a month at 7.4%, which is modest but is a government-guaranteed and predictable return on her investment.\u00a0<\/p>\n\n\n\n<p><strong>Worth noting:<\/strong> for the July-September 2026 quarter, the <a href=\"https:\/\/goldenpi.com\/blog\/senior-citizen\/senior-citizen-investment-options-bonds-vs-scss-vs-fd\/\" type=\"post\" id=\"10791\">Senior Citizen Savings Scheme<\/a> would earn you 8.2% p.a. <sup>[1]<\/sup>, which would be more attractive than POMIS if you qualify by age.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bonds_for_Monthly_Income_RBI_Bonds_NCDs_and_PSU_Paper\"><\/span><strong>Bonds for Monthly Income: RBI Bonds, NCDs and PSU Paper&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&#8220;Bonds&#8221; is a broad basket, so let&#8217;s split it into the three types relevant for income seekers.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>RBI Floating Rate Savings Bonds (FRSB 2020):<\/strong> <\/h3>\n\n\n\n<p>The coupon is currently 8.05% <sup>[2]<\/sup>, resetting every six months, equivalent to the NSC rate plus a 0.35% spread. The catch: interest is paid half-yearly, not monthly, and the tenure carries a hard seven-year lock-in, relaxed only for senior citizens.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Corporate bonds \/ NCDs:<\/strong> <\/h3>\n\n\n\n<p>These offer genuine variety in payout frequency. AAA-rated corporate NCDs are currently trading at around a 7.5\u20139.0% yield, AA-rated paper at around 9.0\u201311.0%, and A-rated bonds higher still, reflecting the extra credit risk you&#8217;re taking on. Some newer platforms even structure NCDs with monthly coupons specifically for retirees.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>PSU bonds:<\/strong> <\/h3>\n\n\n\n<p>These bonds are among the safest in the <a href=\"https:\/\/goldenpi.com\/corporate-bonds\">corporate bond<\/a> space. The coupons for 2026 fall broadly in the 7.0% to 7.5% range, considering their close government support. They\u2019re often used as a middle ground between POMIS-level safety and NCD-level yield.<\/p>\n\n\n\n<p>An example: Rajesh, who is comfortable taking a moderate level of risk for monthly cash flow, invests half of Rs 10 lakhs in an AAA NCD, which offers nearly 8% monthly interest, and the rest in POMIS. The investment provides a balance of safety and yield.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Latest Bond Updates:<\/h3>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/indias-first-tokenised-bond-issue\/\" aria-label=\"India&#8217;s First Tokenised Bond Issue: What It Means for Investors\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25151121\/Indias-First-Tokensed-Bond-Issue-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"India&#039;s First Tokensed Bond Issue\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25151121\/Indias-First-Tokensed-Bond-Issue-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25151121\/Indias-First-Tokensed-Bond-Issue-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25151121\/Indias-First-Tokensed-Bond-Issue-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25151121\/Indias-First-Tokensed-Bond-Issue-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25151121\/Indias-First-Tokensed-Bond-Issue.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/indias-first-tokenised-bond-issue\/\">India&#8217;s First Tokenised Bond Issue: What It Means for Investors<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income\/\" aria-label=\"Post Office MIS vs Bonds in 2026: Which Is Better for Monthly Income?\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25144422\/Post-Office-MIS-vs-Bonds-in-2026-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Post Office MIS vs Bonds in 2026\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25144422\/Post-Office-MIS-vs-Bonds-in-2026-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25144422\/Post-Office-MIS-vs-Bonds-in-2026-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25144422\/Post-Office-MIS-vs-Bonds-in-2026-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25144422\/Post-Office-MIS-vs-Bonds-in-2026-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25144422\/Post-Office-MIS-vs-Bonds-in-2026.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income\/\">Post Office MIS vs Bonds in 2026: Which Is Better for Monthly Income?<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/core-satellite-bond-portfolio-how-to-invest-10-50-lakh\/\" aria-label=\"Core-Satellite Bond Portfolio: How to Invest \u20b910\u201350 Lakh\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25124418\/Core-Satellite-Bond-Portfolio-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Core Satellite Bond Portfolio\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25124418\/Core-Satellite-Bond-Portfolio-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25124418\/Core-Satellite-Bond-Portfolio-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25124418\/Core-Satellite-Bond-Portfolio-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25124418\/Core-Satellite-Bond-Portfolio-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25124418\/Core-Satellite-Bond-Portfolio.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/core-satellite-bond-portfolio-how-to-invest-10-50-lakh\/\">Core-Satellite Bond Portfolio: How to Invest \u20b910\u201350 Lakh<\/a><\/li>\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"POMIS_vs_Bonds_Head-to-Head_Comparison\"><\/span><strong>POMIS vs Bonds: Head-to-Head Comparison<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>Post Office MIS<\/strong><\/td><td><strong>RBI Floating Rate Bonds<\/strong><\/td><td><strong>Corporate NCDs \/ PSU Bonds<\/strong><\/td><\/tr><tr><td><strong>Current rate<\/strong><\/td><td>7.4% p.a.<\/td><td>8.05% p.a. (resets half-yearly)<\/td><td>7.0%\u201311% p.a. (varies by rating\/issuer)<\/td><\/tr><tr><td><strong>Payout frequency<\/strong><\/td><td>Monthly<\/td><td>Half-yearly<\/td><td>Monthly, quarterly, or annual (issuer-dependent)<\/td><\/tr><tr><td><strong>Tenure<\/strong><\/td><td>5 years<\/td><td>7 years (lock-in)<\/td><td>Typically 2\u20137 years<\/td><\/tr><tr><td><strong>Safety<\/strong><\/td><td>Sovereign-backed<\/td><td>Sovereign-backed<\/td><td>Depends on issuer rating; PSU bonds near-sovereign<\/td><\/tr><tr><td><strong>Tax treatment<\/strong><\/td><td>Fully taxable, no TDS<\/td><td>Fully taxable, TDS above \u20b910,000<\/td><td>Fully taxable, TDS above \u20b95,000<\/td><\/tr><tr><td><strong>Liquidity<\/strong><\/td><td>Restricted, with a penalty before 3 years<\/td><td>Very limited; only seniors can exit early<\/td><td>Tradable on exchange (if listed)<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_One_Should_You_Choose_in_2026\"><\/span><strong>Which One Should You Choose in 2026?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For a smaller corpus, POMIS is still one of the best choices for zero risk and predictable cash flow with no market exposure: starting an account is simple, does not require a demat, and the monthly payouts are in line with most people&#8217;s budget cycles. For people willing to skip the monthly payout, the <a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/rbi-floating-rate-savings-bonds-explained\/\" type=\"post\" id=\"11874\">RBI Floating Rate Bond <\/a>currently has a better listed rate with equal sovereign safety, an excellent option for the &#8220;park and forget&#8221; bucket of the fixed income portfolio.\u00a0 If your goal is monthly cash flow with the potential of a higher payday and you can take a bit of credit risk, AAA- or AA-rated NCDs and PSU bonds are worth looking into through SEBI-registered online bond platforms to browse trusted issuers.\u00a0<\/p>\n\n\n\n<p>For most conservative investors, a sensible way to manage safety and yield is to ladder among these investment options rather than placing a large portion into one.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1787648734921\"><strong class=\"schema-faq-question\">Q1. <strong>Which gives higher monthly income: MIS or bonds?<\/strong><\/strong> <p class=\"schema-faq-answer\">It depends on the bond&#8217;s coupon, purchase price, and yield to maturity. MIS offers a government-notified rate, while bond income can vary considerably across issuers, ratings, and maturities. A higher bond yield usually comes with additional risk.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787648744594\"><strong class=\"schema-faq-question\">Q2. <strong>Is Post Office MIS safer than corporate bonds?<\/strong><\/strong> <p class=\"schema-faq-answer\">MIS generally carries lower credit risk because it is part of the government&#8217;s small-savings framework. Corporate bonds depend on the issuer&#8217;s ability to make interest and principal payments, so investors face credit\/default risk in addition to market and liquidity risks.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787648755434\"><strong class=\"schema-faq-question\">Q3. <strong>Which is more tax-efficient: MIS or bonds?<\/strong><\/strong> <p class=\"schema-faq-answer\">Interest from both MIS and most taxable bonds is generally taxable as income at the applicable tax rate. However, the exact tax treatment can differ depending on the bond and the investor&#8217;s circumstances. Post-tax income, rather than the headline rate, should be compared.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787648766314\"><strong class=\"schema-faq-question\">Q4. <strong>Can I withdraw money from Post Office MIS before maturity?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, but premature closure is subject to the scheme&#8217;s prescribed conditions and applicable deductions. Investors should check the prevailing rules before closing an account early.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787648778520\"><strong class=\"schema-faq-question\">Q5. <strong>What are the main risks of choosing bonds over MIS?<\/strong><\/strong> <p class=\"schema-faq-answer\">Depending on the bond, investors can face credit\/default risk, interest-rate risk, liquidity risk, and price volatility. Government securities generally have much lower credit risk, while corporate bonds require greater issuer-level due diligence.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sources\"><\/span><strong>Sources<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a rel=\"nofollow\" href=\"https:\/\/www.indiapost.gov.in\/banking-services\/savings\">India Post \u2014 Savings Schemes<\/a>\u00a0<\/li>\n\n\n\n<li><a rel=\"nofollow\" href=\"https:\/\/www.icici.bank.in\/personal-banking\/investments\/goi-bonds\">ICICI Bank \u2014 Floating Rate Savings Bonds 2020<\/a><\/li>\n<\/ol>\n\n\n<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">Ready to Invest?<\/div>\n<div class=\"gpi-custom-widget-content\">\n<p>Visit <a href=\"https:\/\/goldenpi.com\/\">GoldenPi<\/a> to explore current bond options. Compare yields, ratings, and tenures in one place and invest online with as little as \u20b930,000.<\/p>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span>Disclaimer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities and municipal debt securities\/securitized debt instruments are subject to credit risks, market risks, and default risks, including delay and\/or default in payment. Read all the offer-related documents carefully. This blog\/article should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products\/services of\/on GoldenPi or any product\/services of its third-party client(s). For a detailed calculation of YTM, visit our website.&nbsp;<a href=\"https:\/\/delivery.goldenpi.com\/XPRBSN?id=162365=ch0GCFVXBVBUH1QDUlZXUlgBVgNSUwJVWgQGDFJQAVsEUwRfBldSBFVUAglRBFJSAA0ZBgxfQFBbERxBFSNTV10FU1cTDBgFDg5OAFIKVVFQBlZTVwQBBgFSAg0aC0BMQRIMFkwBUwoIFVdDHBwCCw1QAAsTWBpSVwgebDYxdmt\/Xl9dHxMF&amp;fl=WRVCSRBfGUkETltfVwNLAxVbCQwNWhpYVkpFGwMOBRcEWQMNUEoHSQJaV1BQAQQHTAZXA1IcAAMOBBxWB1IMFQUEVQxXXAEFBVQEUkpTVlMCUFEHU1JVAwhUAFECAQZaVFEADVAAVQBXVFRUUw==\" target=\"_blank\" rel=\"noreferrer noopener\">T&amp;C\u2019s Apply<\/a>.<\/p>\n\n\n\n<script type=\"application\/ld+json\">\n[\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"NewsArticle\",\n    \"@id\": \"https:\/\/goldenpi.com\/blog\/bond-news\/post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income\/#article\",\n    \"isPartOf\": {\n      \"@id\": \"https:\/\/goldenpi.com\/blog\/bond-news\/post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income\/\"\n    },\n    \"headline\": \"Post Office MIS vs Bonds in 2026: Which Is Better for Monthly Income?\",\n    \"description\": \"Post Office MIS offers 7.4% interest payable monthly. Compare MIS with bonds on income, returns, safety, liquidity, taxation and investment limits in 2026.\",\n    \"image\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25144422\/Post-Office-MIS-vs-Bonds-in-2026.jpg\",\n      \"width\": 1600,\n      \"height\": 900\n    },\n    \"datePublished\": \"2026-08-25T14:44:53+05:30\",\n    \"dateModified\": \"2026-08-25T14:44:54+05:30\",\n    \"mainEntityOfPage\": {\n      \"@id\": \"https:\/\/goldenpi.com\/blog\/bond-news\/post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income\/\"\n    },\n    \"wordCount\": 1150,\n    \"commentCount\": 0,\n    \"inLanguage\": \"en-US\",\n    \"publisher\": {\n      \"@id\": \"https:\/\/goldenpi.com\/blog\/#organization\"\n    },\n    \"author\": {\n      \"@id\": \"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/kunal-arora-ca\"\n    },\n    \"about\": [\n      {\n        \"@type\": \"Thing\",\n        \"name\": \"Post Office Monthly Income Scheme\",\n        \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/National_Savings_Certificates_(India)\"\n      },\n      {\n        \"@type\": \"Thing\",\n        \"name\": \"Bond\",\n        \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Bond_(finance)\"\n      },\n      {\n        \"@type\": \"Thing\",\n        \"name\": \"Fixed income\",\n        \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Fixed_income\"\n      }\n    ],\n    \"mentions\": [\n      {\n        \"@type\": \"Organization\",\n        \"name\": \"India Post\",\n        \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/India_Post\"\n      },\n      {\n        \"@type\": \"Organization\",\n        \"name\": \"Reserve Bank of India\",\n        \"alternateName\": \"RBI\",\n        \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Reserve_Bank_of_India\"\n      }\n    ]\n  },\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"@id\": \"https:\/\/goldenpi.com\/blog\/bond-news\/post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income\/#faq\",\n    \"isPartOf\": {\n      \"@id\": \"https:\/\/goldenpi.com\/blog\/bond-news\/post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income\/\"\n    },\n    \"mainEntity\": [\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Which gives higher monthly income: MIS or bonds?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"It depends on the bond's coupon, purchase price, and yield to maturity. MIS offers a government-notified rate, while bond income can vary considerably across issuers, ratings, and maturities. A higher bond yield usually comes with additional risk.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Is Post Office MIS safer than corporate bonds?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"MIS generally carries lower credit risk because it is part of the government's small-savings framework. Corporate bonds depend on the issuer's ability to make interest and principal payments, so investors face credit\/default risk in addition to market and liquidity risks.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Which is more tax-efficient: MIS or bonds?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Interest from both MIS and most taxable bonds is generally taxable as income at the applicable tax rate. However, the exact tax treatment can differ depending on the bond and the investor's circumstances. Post-tax income, rather than the headline rate, should be compared.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Can I withdraw money from Post Office MIS before maturity?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Yes, but premature closure is subject to the scheme's prescribed conditions and applicable deductions. Investors should check the prevailing rules before closing an account early.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"What are the main risks of choosing bonds over MIS?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Depending on the bond, investors can face credit\/default risk, interest-rate risk, liquidity risk, and price volatility. Government securities generally have much lower credit risk, while corporate bonds require greater issuer-level due diligence.\"\n        }\n      }\n    ]\n  },\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/goldenpi.com\/blog\/bond-news\/post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income\/\",\n    \"url\": \"https:\/\/goldenpi.com\/blog\/bond-news\/post-office-mis-vs-bonds-in-2026-which-is-better-for-monthly-income\/\",\n    \"name\": \"Post Office MIS vs Bonds in 2026: Which Is Better for Monthly Income?\",\n    \"isPartOf\": {\n      \"@id\": \"https:\/\/goldenpi.com\/blog\/#website\"\n    },\n    \"primaryImageOfPage\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/08\/25144422\/Post-Office-MIS-vs-Bonds-in-2026.jpg\"\n    },\n    \"description\": \"Post Office MIS offers 7.4% interest payable monthly. 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