u/ReindeerInside1079

I’m comparing the Post Office Monthly Income Scheme (MIS) at 7.4% for 5 years with 5-year FD options from public-sector banks like SBI and Canara Bank.

MIS looks interesting because it provides monthly interest income, while a cumulative FD can compound the interest.

For someone looking for a relatively safe investment for 5 years, which would you choose?

Post Office MIS @ 7.4% vs SBI/Canara Bank 5-year FD

Or is there any other better low-risk option that I should consider instead?

I’m mainly looking at government/PSU-backed or similarly safe investments, rather than private-bank FDs.

Would love to hear what others are doing and why.

I want to join the gym in next few days

I want less crowd people and best machines

If u know please suggest kalaburagians

Not big life changes—just small things you started doing that made a real difference over time.

Curious to hear what worked for you.

Tried almost every UPI app—Paytm, PhonePe, Navi, SuperMoney, Amazon Pay, Bhim

Still can’t decide which one is actually the best 😅

Which one do you use as your main app and why?