Monthly Income Scheme
Get Monthly Payouts with Guaranteed Safety
Monthly Income Scheme (MIS) is a low‑risk investment that pays you a fixed amount every month. Perfect for retirees, homemakers, or anyone seeking a steady cash flow. Your principal is safe, and returns are assured.
Why Invest in SINL Monthly Income Scheme?
Stability, regular income, and peace of mind
Monthly Payouts
Get a fixed amount credited to your bank account every month – no delays, no hassle.
Capital Protection
Your principal amount is 100% safe. No market risks – guaranteed returns.
Attractive Interest
Earn up to 8.5% p.a. – much higher than regular savings accounts.
Senior Citizen Benefits
Extra 0.5% p.a. for senior citizens. Also available for minors with guardian.
Low Minimum Investment
Start with just ₹10,000. Additional deposits in multiples of ₹1,000.
Nomination Facility
Add a nominee to ensure your savings go to your loved ones without hassle.
Returns
Secure Your Future
with Guaranteed Returns
Enter deposit amount, tenure, and interest rate to calculate maturity amount.
Investment Questions? Check Our Faq’s Page.
Deposit Amount (₹)
Tenure
Interest Rate (% p.a.)
Interest Earned
₹43,562Total Investment
₹1,00,000Build Wealth
Step by Step
Enter monthly installment, tenure, and interest rate to calculate maturity amount.
Investment Questions? Check Our Faq’s Page.
Monthly Deposit (₹)
Tenure
Interest Rate (% p.a.)
Interest Earned
₹58,869Total Investment
₹3,00,000Double Your Money
in Specified Time
Enter deposit amount and find out how long it takes to double at given interest rate.
Investment Questions? Check Our Faq’s Page.
Deposit Amount (₹)
Interest Rate (% p.a.)
Tenure (Years)
Interest Earned
₹99,900Total Investment
₹1,00,000Regular Income
from Your Savings
Enter investment amount and interest rate to calculate monthly income.
Investment Questions? Check Our Faq’s Page.
Investment Amount (₹)
Interest Rate (% p.a.)
Tenure (Years)
Total Interest Earned
₹1,80,000Maturity Amount
₹6,80,000Grow Your Wealth
with Market-Linked Returns
Enter investment amount, expected return rate, and tenure to estimate future value.
Investment Questions? Check Our Faq’s Page.
Lump Sum Amount (₹)
Monthly SIP (₹) (Optional)
Expected Return (% p.a.)
Tenure (Years)
Total Invested
₹1,00,000Total Gains
₹2,10,585Scheme Highlights
Transparent terms and attractive features
| Minimum Investment | ₹10,000 |
|---|---|
| Maximum Investment | No upper limit (subject to KYC) |
| Interest Rate | 7.5% – 8.5% p.a. (based on category) |
| Payout Frequency | Monthly (credited to bank account on 1st working day) |
| Tenure | 1, 3, or 5 years (flexible) |
| Premature Withdrawal | Allowed after 6 months with 1% penalty on interest |
| Loan Against MIS | Up to 70% of principal after 3 months |
| Nomination | Available (mandatory for single accounts) |
| TDS | 10% if interest exceeds ₹10,000 p.a. (with PAN) |
Open Monthly Income Scheme Account
Fill the details. Our executive will call you for KYC and payment.
Important Terms & Conditions
Read before investing
General Rules
- Monthly income is credited on the 1st working day of each month.
- Minimum lock‑in period: 6 months. Premature withdrawal penalty applies.
- Interest rates are fixed for the entire tenure.
- TDS deduction as per prevailing income tax rules.
- Nomination is mandatory for single account holders.
Eligibility & Documents
Eligibility
Indian residents aged 18+ (minors with guardian). Joint accounts allowed.
KYC Documents
PAN card, Aadhaar, address proof, and passport‑size photo.
Renewal / Maturity
On maturity, the principal can be renewed or withdrawn. Auto‑renewal available on request.
*SINL is a registered NBFC. MIS is not a bank deposit; returns are subject to company’s financial health.