Monthly Income Scheme (₹1 L to ₹5 L+)

Monthly Income Scheme (MIS) — Invest Once, Earn Every Month

Invest Once, Earn Every Month — Fixed Monthly Income From Your Deposit

7%–11%Rate Range Across Tenures

1–10 YearsTenure Options

₹1,00,000+Minimum Deposit

Up to 6%Additional Maturity Bonus (10-Year Plan)

₹25 LakhsAccidental Insurance Cover

₹5 LakhsHospitalization Assistance

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.

Highlights

• Invest once, earn every month — fixed monthly income from your deposit

• Five tenure options: 1, 3, 5, 7, and 10 years

• Rates rise from 7% (1 year) up to 11% (10 years)

• Additional maturity bonus: 2.5% for 5 years, 4% for 7 years, 6% for 10 years

• Nomination facility

• Loan against deposit facility

• Priority service for members

• Financial planning support

• Accidental insurance up to ₹25 lakhs for you & your family

• Hospitalization assistance up to ₹5 lakhs for you & your family

• Reliable returns, monthly income, secure future

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