Are you looking for a safe and reliable investment that gives you fixed monthly income without market risks? The Post Office Monthly Income Scheme (POMIS) in 2025 could your best financial partner. Backed by the Government of India, this scheme is ideal for retirees, homemakers, and cautious investors who want steady returns. Check out what this scheme offers, who can apply, the current interest rate, how to invest, and why it’s a great choice in 2025 by reading the post below.
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Post Office Monthly Income Scheme (POMIS)
The Post Office Monthly Income Scheme (POMIS) is a smart and secure savings plan offered by India Post, ideal for those seeking a fixed monthly income. Design especially for retirees, homemakers, and conservative investors, this scheme provides steady returns at a guaranteed interest rate, directly credited to your account every month. With a one-time deposit starting from just ₹1,000 and going up to ₹9 lakh for individuals (₹15 lakh for joint accounts), POMIS combines safety with regular earnings. It’s a low-risk option backed by the Government of India, perfect for building financial stability without market-linked worries.
What is Post Office Monthly Income Scheme?
POMIS is a government back savings plan offer by India Post. It allows investors to deposit a lump sum amount and receive a fix monthly income through interest payouts. Unlike risky investments like mutual funds or shares, POMIS offers capital safety, guaranteed returns, and peace of mind. You simply invest once and enjoy a monthly payout for the next 5 years, with an option to reinvest upon maturity.
Key Features of POMIS 2025
| Feature | Details |
| Interest Rate (2025) | 7.4% per annum (payable monthly) |
| Lock-in Period | 5 years |
| Minimum Investment | ₹1,000 |
| Maximum Investment (Single) | ₹9 lakh |
| Maximum Investment (Joint) | ₹15 lakh |
| Account Type | Single or Joint (up to 3 people) |
| Payout Mode Monthly | Interest via PO savings account |
| Tax Benefits | No tax benefit under Sec 80C; TDS not deducted |
| Risk Level | Very Low – Backed by Govt. of India |
Benefits of Post Office MIS
Here’s why the POMIS is popular among risk-averse investors in 2025. One can check benefits of this scheme by points below.
Guaranteed Monthly Income
Once you deposit your amount, you start receiving monthly interest payouts without worrying about market ups and downs.
Capital Protection
Your initial deposit stays safe, and you get it back at the end of 5 years. Ideal for retirees and senior citizens who want to preserve their savings.
Attractive Returns
At 7.4% annual interest, POMIS beats most fixed deposits offered by private banks. Monthly interest can support household expenses.
Simple to Open and Maintain
No complex paperwork or online hassles. You can open an account at any post office across India with basic documents.
Joint Holding Allowed
You can open a joint account with family members and increase the investment limit to ₹15 lakh.
Eligibility Criteria
To invest in the Post Office Monthly Income Scheme (POMIS), you need to be an Indian resident. This scheme is strictly for citizens living in India, Non-Resident Indians (NRIs) are not allow to invest in it. If you are 18 years or older, you can open a POMIS account in your name as a single holder. For young investors, even minors above 10 years can have their own account, provide a parent or guardian manages it. This makes the scheme accessible to a wide age group while keeping it secure and trustworthy.
POMIS Important Dates 2025
| Current Interest Rate | 7.4% (As of July 2025) |
| Latest Update | 1, April 2025 (Interest revised quarterly) |
| Next Rate | Review 1, October 2025 |
| Account Validity | 5 years from the date of deposit |
Who Should Invest in POMIS?
- Senior citizens wanting a regular pension-like income.
- Homemakers looking to manage household expenses.
- Parents or guardians investing for a child’s future needs.
- First-time investors who want secure, guaranteed returns.
- Salaried individuals seeking diversification from equity.
How Much Can You Earn with POMIS?
Monthly interest is paid into your Post Office savings account directly. Here’s an example to understand your monthly income from POMIS.
| Investment Amount | Annual Interest @ 7.4% | Monthly Payout |
| ₹1 lakh | ₹7,400 | ₹616 |
| ₹5 lakh | ₹37,000 | ₹3,083 |
| ₹9 lakh | ₹66,600 | ₹5,550 |
| ₹15 lakh (Joint) | ₹1,11,000 | ₹9,250 |
How to Open POMIS Account?
Opening a Post Office Monthly Income Scheme (POMIS) Account is simple and easy. Follow these steps and open your account today.
- Approach your local post office with required documents.
- Submit the POMIS Account Opening Form, nomination form, and KYC documents.
- Documents accepted –
- Aadhaar Card
- PAN Card
- Passport-size photos
- Proof of address (utility bill, voter ID, etc.)
- Pay the investment amount via cash, cheque, or demand draft.
- Interest starts from the date of deposit, and monthly income begins rolling into your Post Office savings account.
What Happens at Maturity?
After 5 years, you get back the entire principal amount. You may reinvest the sum in POMIS again, open a Senior Citizen Savings Scheme (SCSS), or explore other small savings schemes. You can also transfer the maturity amount to your bank account or post office savings account.
Things to Keep in Mind
- If you withdraw before 1 year, no interest is paid.
- Early withdrawal after 1 year attracts a small penalty (1–2% deduction).
- You must link your post office savings account to get interest monthly.
- There is no TDS on the interest, but it is taxable as per your income slab.
Is POMIS Safe?
Yes! POMIS is a zero-risk investment, fully backed by the Indian government. It’s perfect for those who prefer stability over high returns. In a world full of financial uncertainty, this scheme brings consistency and trust.
FAQs
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Can NRIs invest in POMIS?
No, Only Indian residents can invest.
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Is interest taxable?
Yes, it’s taxable as per your income slab. But no TDS is deducted.
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Can I transfer my account?
Yes, accounts are transferable between post offices.
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Can I add a nominee?
Yes, nomination is mandatory at the time of account opening.
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Can I reinvest after maturity?
Yes, you can reinvest in POMIS or transfer funds to another scheme.
Why POMIS is Wise Choice in 2025?
With interest rates constantly fluctuating and stock markets often unpredictable, the Post Office Monthly Income Scheme is like an anchor for your finances. It ensures monthly income, safety of capital, and ease of government support. For many Indians, it is the first step toward financial independence, especially in retirement. Whether you are planning for your parents, saving for your child’s future, or securing a steady income for yourself, POMIS 2025 smart move.