Guaranteed Monthly Cash FlowEarn Up to 11.00% p.a.
Monthly Income Scheme (MIS)
Ideal for retirees and passive income seekers looking for guaranteed monthly interest cash flow.
Interest Payout: Monthly credited to Savings Account
•Minimum Investment: ₹50,000
•Principal Safety: 100% Returned at Maturity
Monthly Income Scheme Interest Rate Chart
Interest is credited directly into your BSL Savings Account during the last week of every calendar month.
MIS Interest Rates (Monthly Payout)
Governed by Nidhi Rules, 2014| Tenure / Period | Applicable Rate (p.a.) | Remarks / Benefits |
|---|---|---|
| Up to 12 Months | 7.25% p.a. | Quarterly Compounding |
| 13 Months – Up to 24 Months | 8.75% p.a. | Quarterly Compounding |
| 25 Months – Up to 36 Months | 9.25% p.a. | Quarterly Compounding |
| 37 Months – Up to 48 Months | 10.25% p.a. | Quarterly Compounding |
| 49 Months – Up to 60 Months | 11.00% p.a. | Highest Return |
Senior Citizens Notice: Eligible senior citizens (60+ years) may receive an additional 0.50% interest p.a. on qualifying tenures upon KYC verification.
Why Choose MIS?
Predictable monthly earnings credited straight into your account
100% Principal amount returned securely at end of term
Great for senior citizens and household budget support
Loan against deposit facility accessible anytime
Full principal returned securely at the end of the contracted term.
Nomination facility available to safeguard family security.
Statutory Terms & Guidelines
- Membership and KYC completion in BSL Nidhi Limited are mandatory prior to opening an MIS account.
- Interest is credited directly into the member's savings account during the last week of each calendar month.
- The principal deposit is refunded in full at the end of the term.
- Loan facility is available against active MIS deposit accounts up to 90% of principal.
Invest in MIS Today
Create predictable monthly cash flow for retirement or household support.
Monthly Income Scheme FAQs
Learn more about tax treatment, bank account transfers, and pre-closure terms.
View All FAQs