Post Office Scheme

Post Office Scheme Gives ₹9,250 Monthly Interest

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Post Office Scheme Gives ₹9,250 Monthly Interest ! Complete Guide to the Post Office Monthly Income Scheme (POMIS)

In today’s fast-moving world, having a stable monthly income has become essential for many households. Whether you are a senior citizen, homemaker, retiree, or someone looking for a safe investment option with guaranteed returns, the Post Office Monthly Income Scheme (POMIS) is one of the most reliable income-generating plans available in India.

What makes this scheme so popular? It offers 100% government security, fixed monthly interest, zero market risk, and the peace of mind that your money is safe—something neither the stock market nor most private investments can guarantee.

What is POMIS?

The Post Office Monthly Income Scheme is a 5-year fixed-return investment plan backed by the Government of India. You invest a lump sum amount once, and for the next 60 months, you receive guaranteed monthly interest directly into your bank or post office account.

Many investors call it a “Mini Pension Scheme” because of its dependable monthly payouts.

Why Is POMIS So Popular?

  •  100% Government-backed savings

  •  Fixed monthly income—like a pension

  •  No market-related risk

  •  Can be opened individually or jointly

  •  Suitable for children above 10 years

  •  Perfect for low-risk, conservative investors

This makes the scheme extremely valuable for senior citizens, homemakers, and families that prefer safe investments.

POMIS Interest Rate in 2025

The current interest rate under POMIS is 7.4% per annum.
This rate is reviewed and updated every quarter by the Central Government.

How to Earn ₹9,250 per Month — Full Breakdown

POMIS allows both Single and Joint accounts.

✔️ Single Account

  • Maximum Investment: ₹9 lakh

  • Monthly Income: Approx. ₹5,550

✔️ Joint Account

  • Maximum Investment: ₹15 lakh

  • Monthly Income: Approx. ₹9,250

That is why many families choose joint accounts—higher investment means higher monthly income.

Investment vs Monthly Income Chart

Investment Amount Interest Rate Monthly Income
₹1,00,000 7.4% ₹617
₹3,00,000 7.4% ₹1,850
₹5,00,000 7.4% ₹3,083
₹9,00,000 (Single Max) 7.4% ₹5,550
₹15,00,000 (Joint Max) 7.4% ₹9,250

Formula:
Monthly Income = (Investment × 7.4%) ÷ 12

What Happens After 5 Years?

The tenure of POMIS is fixed at 5 years:

  • You receive interest every month

  • At maturity, you get the full principal amount back

  • You can reinvest the amount again under POMIS for the next 5 years

This feature makes it extremely useful for senior citizens who depend on monthly earnings.

Who Can Open a POMIS Account?

  • ✔️ Any Indian citizen

  • ✔️ Children above 10 years (parents can operate the account)

  • ✔️ Joint holders: spouses or family members

Major Advantages of POMIS

1. 100% Safe Investment

Your money is fully protected since it is backed by the Government of India.

2. Guaranteed Monthly Income

Useful for meeting daily expenses, medicines, utility bills, and household needs.

3. Zero Market Risk

Unlike shares, crypto, or chit funds, POMIS offers stable and predictable returns.

4. Ideal for Senior Citizens

Provides a consistent income source without any financial stress.

5. No TDS Deduction

The interest received is not subject to TDS.

Limitations You Should Know

  • The amount remains locked for 5 years

  • Interest rate stays fixed during the entire term

  • Returns are lower compared to high-risk investments like stocks or mutual funds

Even with these limitations, POMIS remains a top choice for safe and stress-free investment.

Documents Required

To open a POMIS account, carry:

  • Aadhaar Card

  • PAN Card

  • Passport-size photos

  • Filled application form (available at the post office)

The process usually takes only 15–20 minutes.

Where Can You Open the Account?

You can open a POMIS account at:

  • Any Regional Post Office

  • Any Rural Branch Post Office

The scheme is available across India.

Who Should Choose This Scheme?

  • Senior citizens

  • Homemakers

  • Individuals without steady income

  • Low-risk investors

  • Parents saving for children

  • Anyone wanting guaranteed monthly earnings

Final Thoughts

The Post Office Monthly Income Scheme is one of the safest and most dependable investment plans for earning a steady monthly income. Whether you’re retired, a homemaker, or simply looking for secure financial growth, POMIS offers guaranteed returns without any risk.

If you want stress-free, monthly guaranteed income, POMIS is undoubtedly one of the smartest financial choices you can make today.