Monthly Income Scheme (MIS) — Invest Once, Earn Every Month
Invest Once, Earn Every Month — Fixed Monthly Income From Your Deposit
About this product
The PMCC Monthly Income Scheme (MIS) lets investors put down a one-time deposit and receive a fixed monthly income for the life of the plan — "Invest Once, Earn Every Month." Unlike the fixed single-amount Monthly Income & Family Protection plans, MIS is a flexible ready-reckoner covering five tenure options — 1 Year @ 7%, 3 Years @ 8%, 5 Years @ 9%, 7 Years @ 10%, and 10 Years @ 11% — across deposit amounts starting from ₹1,00,000.
For example, a ₹2,00,000 deposit generates ₹1,167/month on the 1-Year plan, rising to ₹1,833/month on the 10-Year plan. A larger ₹5,00,000 deposit generates ₹2,917/month at 1 Year, up to ₹4,583/month at 10 Years. Longer tenures also carry an additional maturity bonus on top of the monthly payouts — 2.5% for 5 Years, 4% for 7 Years, and 6% for 10 Years.
Beyond the income itself, MIS members receive a set of additional benefits: nomination facility, loan against deposit facility, priority service, financial planning support, accidental insurance up to ₹25 lakhs, and hospitalization assistance up to ₹5 lakhs. Insurance benefits are provided through IRDAI-approved insurers, with PMCC acting only as a facilitator for insurance services. The scheme's promise, as PMCC puts it: "Invest once. Earn every month. Enjoy financial peace of mind."
| Deposit Amount | 1 Year @ 7% | 3 Years @ 8% | 5 Years @ 9% | 7 Years @ 10% | 10 Years @ 11% |
|---|---|---|---|---|---|
| ₹1,00,000 | ₹583 | ₹667 | ₹750 | ₹833 | ₹917 |
| ₹2,00,000 | ₹1,167 | ₹1,333 | ₹1,500 | ₹1,667 | ₹1,833 |
| ₹5,00,000 | ₹2,917 | ₹3,333 | ₹3,750 | ₹4,167 | ₹4,583 |
| --- | |||||
| Additional Maturity Bonus by Tenure | |||||
| Tenure | Bonus | ||||
| 5 Years | 2.5% | ||||
| 7 Years | 4% | ||||
| 10 Years | 6% |
| Scheme Name | Monthly Income Scheme (MIS) |
| Society | Panchawati Multistate Co-operative Credit Society Ltd. (PMCC) |
| Tenure Options | 1 Year, 3 Years, 5 Years, 7 Years, 10 Years |
| Rate by Tenure | 7% (1 Yr), 8% (3 Yr), 9% (5 Yr), 10% (7 Yr), 11% (10 Yr) |
| Additional Maturity Bonus | 2.5% (5 Yr), 4% (7 Yr), 6% (10 Yr) |
| Minimum Illustrated Deposit | ₹1,00,000 |
| Payout | Fixed monthly income from deposit |
| Member Benefits | Nomination facility, loan against deposit facility, priority service, financial planning support, accidental insurance up to ₹25 lakhs, hospitalization assistance up to ₹5 lakhs |
| Insurance Provider | Through IRDAI-approved insurers; PMCC acts only as facilitator |
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