With recent change in postal MIS sheme, the ROI has been increased from 8 to 8.2%, while the 5% bonus on maturity is abolished. To me, MIS is less attractive now as compared to early MIS scheme. Also earlier there was a ceiling of Rs. 4.5 lacs per person on investment in MIS. Does that ceiling still continue or is it changed as I could not locate any news related to this.