If you want your money to be safe and get a fixed income every month, then the Post Office Monthly Income Scheme is a better option for you. It is guaranteed by the government and senior citizens get special benefits.
If any investor is looking for an investment scheme that is safe and also gives a fixed income every month, then the Post Office Monthly Income Scheme (POMIS) can prove to be an excellent option for this. This great scheme is backed by the government, so the risk potential in it is negligible. On depositing a lump sum amount in this scheme, a fixed amount is received every month as interest, which ensures your monthly income. The most special thing about it is that senior citizens also get additional benefits in it, and you can invest alone or in a joint account.
What is this amazing scheme of post office
Post Office Monthly Income Scheme (POMIS) is a safe and reliable scheme for investors, it is operated through India Post. The main objective of this scheme is to provide a platform to the investors where investors can deposit their lump sum amount and get regular income in the form of fixed interest every month. Although this scheme is especially beneficial for the elderly, housewives, retired persons and those who want safe and fixed income by staying away from risk, the investment limit and interest rate are fixed in advance.
Money will be made from Post Office Monthly Income Scheme
In the July–September 2025 quarter, Post Office Monthly Income Scheme (POMIS) is getting interest at the rate of about 7.40% per annum, which is transferred to the investor’s account every month. The special thing is that if you open a joint account in this scheme and deposit the maximum limit of ₹ 18 lakh, then you can get fixed income every month.
Calculation:
- Investment amount: ₹18,00,000
- Interest rate: 7.4% per annum
- Annual interest: ₹18,00,000 × 7.4% = ₹1,33,200
- Monthly income: ₹1,33,200 ÷ 12 = ₹11,100 per month
That is, if you invest ₹18 lakh by opening a joint account in the Post Office POMIS scheme, you get a guaranteed income of ₹11,100 every month, without any risk, with government protection.
How much can you invest?
Talking about the Post Office Monthly Income Scheme, any Indian citizen whose age is 18 years or more can invest in it. This scheme is also available for children, but their accounts are operated by parents or guardians. The maximum investment limit for a single account in this scheme is ₹9 lakh, while ₹15 lakh to ₹18 lakh can be invested in a joint account. Apart from this, the minimum investment is ₹1,000 and you can deposit the amount in multiples of ₹100.
How to open an account
Yes, to invest in Post Office Monthly Income Scheme, you can go to any nearest post office and fill the application form. You will have to submit Aadhaar card, PAN card and passport size photo along with it. The account can be opened both singly or jointly. Also, you can deposit the investment amount through cash, check or online transfer. By the way, this scheme is especially beneficial for those who want a stable income every month. (Note: This article is for information only and should not be considered as investment advice in any way, suggest consulting financial advisors for investment)
FAQ
Q1. What is Post Office Monthly Income Scheme (POMIS)?
A1. It is a government guaranteed scheme in which investing a lump sum amount gives regular income in the form of fixed interest every month.
Q2. How much can be invested in POMIS?
A2. A maximum of ₹9 lakh can be invested in a single account and up to ₹15 lakh in a joint account.
Q3. What is the interest rate of POMIS?
A3. As per the current rates of 2025, it is getting about 7.4% annual interest, which is distributed on a monthly basis.
Q4. Do senior citizens get additional benefits in this?
A4. Yes, this scheme gives special benefits to senior citizens in the form of timely and stable income, as well as protection of their investment.
Q5. Is this scheme completely safe?
A5. Yes, it is backed by the Government of India, so investing in it is considered completely safe and reliable.
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