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Monthly Income Scheme - Guaranteed Monthly Returns

A Monthly Income Scheme (MIS) with Bandhan Multi State Co-operative Credit Society Ltd. is ideal for those seeking regular monthly income from their investments. Perfect for retirees, pensioners, and anyone looking for steady cash flow.

Our monthly income scheme offers attractive monthly returns of 0.65% to 0.75% per month (approximately 8% to 9% per annum). With a minimum investment of ₹10,000 and tenure options from 1 year to 5 years, you receive guaranteed monthly income while your principal remains secure.

Whether you're supplementing your retirement income, managing household expenses, or seeking regular cash flow, our MIS provides financial stability and peace of mind with guaranteed monthly returns.

Monthly Income Scheme


Regular Income

Key Features & Benefits

Our monthly income scheme is designed to provide you with regular, guaranteed monthly income while keeping your principal investment secure.

Monthly Returns: Receive 0.65% to 0.75% monthly returns (8% to 9% annually) directly credited to your account. Enjoy predictable cash flow every month.

Minimum Investment: Start with just ₹10,000 and invest any amount above in multiples of ₹1,000. No maximum limit on investment.

Flexible Tenure: Choose from 1 year to 5 years tenure based on your income needs. Principal amount returned at maturity along with any accrued benefits.



Why choose our Monthly Income Scheme?

  • Guaranteed Monthly Income: Receive fixed monthly returns of 0.65% to 0.75%, providing predictable cash flow.
  • Principal Security: Your invested amount is completely secure and returned at maturity.
  • Low Minimum Investment: Start with just ₹10,000, making it accessible to all investors.
  • Regular Cash Flow: Perfect for retirees, pensioners, or anyone needing regular monthly income.
  • Flexible Tenure: Choose from 1 to 5 years based on your income requirements and financial planning.
  • Auto-Credit Facility: Monthly income is automatically credited to your savings account.
  • Loan Against MIS: Avail loans up to 75% of your investment value in case of emergencies.
  • Tax Benefits: Enjoy applicable tax benefits under relevant sections of the Income Tax Act.
  • Premature Withdrawal: Option to withdraw before maturity with applicable charges if needed.

Common Questions

The minimum investment amount for Monthly Income Scheme is ₹10,000. You can invest any amount above this in multiples of ₹1,000. There is no maximum limit.

The monthly income is automatically credited to your linked savings account on the same date every month. You can also opt to receive it via cheque or cash at our branch.

Yes, premature withdrawal is allowed after completing 1 year with a penalty of 2% on the principal amount. However, we recommend completing the full tenure for maximum benefits.