1 / 6In the midst of the rising uncertainity it is always wise to have a backup plan to keep your future secure. The post office scheme virtually meets both the criteria, offering reasonable returns without much volatility. 2 / 6One such scheme offered by Post Office is the Monthly Income Plan which offers a great return in a given period of time.3 / 6Post Office offers a Monthly Income Plan wherein investors get a decent amount of returns every month. The most important aspect of the Monthly Income plan is that its interest is added every year. 4 / 6This way, if someone opened a joint account in the scheme and deposited up to Rs 9 lakh in it, then you can earn Rs 4950 every month, as the annual interest on the principal is Rs 59,400 at an interest rate of 6.6%. 5 / 6The monthly amount of your interest stands at Rs 4,950, which you can withdraw every month. So, you will earn interest monthly on your investment without any impact on your principal. You will get the principal at the time of maturity of the scheme. The maturity period of the scheme is 5 year. So, you will continue to get a monthly interest of Rs 4,950. You can increase the maturity period under the scheme.6 / 6You can start the investment today with a sum of Just Rs. 1,000. Notably, if you open a single account, you can deposit as much as 4.5 lakh rupees, while if you want to open a joint account, you can deposit up to 9 lakh rupees in it.