If you’re looking for a safe and steady investment option that guarantees fixed monthly income, the Post office Monthly Income Scheme (POMIS) is one of the best choices available in India. Whether you’re a salaried employee looking to supplement your income or a retiree seeking financial stability, this government-backed savings scheme can provide a reliable source of earnings every month.

📦 What is the Post office Monthly Income Scheme (POMIS)?

The Post office Monthly Income Scheme is a small savings plan offered by india Post under the government of India. It allows investors to deposit a lump sum amount once and earn a fixed monthly interest on it. The interest is paid directly to your account every month — making it a perfect option for those seeking regular, risk-free income.

🔒 Key Features of POMIS

1. Guaranteed Returns:
Being a government-backed scheme, the returns are completely safe and secure. There’s no risk of losing your capital.

2. Fixed Monthly Income:
Interest is paid out each month, giving you a predictable cash flow.

3. Attractive Interest Rate:
As of now (October 2025), the interest rate is around 7.4% per annum — reviewed quarterly by the Ministry of Finance.

4. Flexible Investment Options:

o Minimum deposit: ₹1,000

o Maximum deposit:

§ ₹9 lakh (for a single account)

§ ₹15 lakh (for a joint account)

5. Tenure:
The investment period is 5 years, after which you can either withdraw the amount or reinvest it.

💡 Example of Monthly Income

Let’s say you invest ₹9,00,000 (maximum limit for an individual) in POMIS at 7.4% annual interest.

· Annual Interest = ₹9,00,000 × 7.4% = ₹66,600

· Monthly Income = ₹66,600 ÷ 12 = ₹5,550 per month

If a couple opens a joint account and invests ₹15 lakh, the monthly income will be around ₹9,250 per month.

🧾 Eligibility Criteria

· You must be an Indian resident.

· Minors above 10 years can also open an account.

· Joint accounts can be opened with up to three adults.

🏦 How to Open a POMIS Account

You can open the account at any post office across India.
Here’s how:

1. Visit your nearest post office.

2. Fill out the POMIS application form.

3. Provide KYC documents – Aadhaar, PAN card, and passport-data-size photos.

4. Deposit the investment amount via cash or cheque.

5. Once processed, you’ll receive a POMIS passbook showing all account details.

🔁 Premature Withdrawal & Reinvestment

· You can withdraw the amount after 1 year, but a small penalty applies if done before maturity (5 years).

· After 5 years, you may reinvest the maturity amount into a new POMIS account.

✅ Why Choose POMIS?

· Ideal for retirees, homemakers, and low-risk investors.

· Ensures stable and predictable monthly income.

· Backed by the Government of India, ensuring complete safety.

· Easy to manage through any post office branch in the country.

🧮 Quick Summary

Feature

Details

Scheme Name

Post office Monthly Income Scheme (POMIS)

Interest Rate (Oct 2025)

7.4% p.a.

Tenure

5 years

Min. Deposit

₹1,000

Max. Deposit

₹9 lakh (single), ₹15 lakh (joint)

Monthly Income

Up to ₹9,000+ (approx.)

Risk Level

Very Low (Government-backed)

🌟 Final Thoughts

The Post office Monthly Income Scheme is perfect for those who want to invest once and earn regularly without worrying about market fluctuations. It’s especially useful for retirees, pensioners, and anyone seeking a steady, guaranteed monthly income.

 

Disclaimer:

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.