If you’re looking to earn an income that is steady and not stressing about market fluctuations and downs then you should consider the Post Office Monthly Income Scheme (POMIS) is the answer. By 2025, the government backed program is set to become even more attractive with a guaranteed annual interest of 7.4 percent per year, which is that is paid each month directly into the savings accounts of your. If you’re a retired person, homemaker or just someone who wants security in returns, this program provides peace of mind and the promise of a guaranteed payment and is perfect for those who do not intend to put their money at risk with their savings. With POMIS you can benefit from capital security as well as the flexibility and assistance of India’s dependable postal system everything you require for your financial security and a worry free tomorrow.
Post Office Monthly Income Scheme (POMIS) 2025
- You can invest a sum ranging from Rs1,000 to 9 lakh (single account) or up to Rs15 lakh (joint account for three or more persons).
- The investment is secured for 5 years, following which you receive your money back.
- Every month, you earn an interest payment at a set rate – currently 7.4 percent per year–which is deposited directly into your post office savings account.
- It can also be created by you, or for minors by a guardian.
- Tax is not deducted at the source (no TDS), making it ideal for seniors as well as those who require a regular tax-efficient income.
Post Office Monthly Income Scheme (POMIS) Overview
It is the Post Office Monthly Income Scheme (POMIS) is a tiny savings scheme operated through India Post, especially designed for those like you who wish to earn an unassailable, secure monthly income. It is a lump-sum of money and each month, you receive an interest credit to your account. There are no problems, just pure ease.
| Feature | Details |
| Interest Rate (2025) | 7.4 percent per annum |
| Minimum Deposit | Rs1,000 |
| Maximum Deposit (Single) | The price is Rs9 lakh |
| Maximum Deposit (Joint) | Rs15 lakh |
| Lock-in/Maturity Period | 5 years old |
| Who Can Open | Anyone Indian citizen (age 10plus) |
| Mode of Payment | Monthly credit |
| Early Withdrawal | Penalties apply. |
| Tax Benefit | There is no TDS Not taxable income |
| Where to Open | There is a post office near India |
| Official Website | https://www.indiapost.gov.in/ |
POMIS Key Benefits You Enjoy
- Guaranteed Returns: Your income doesn’t depend on the market for shares or mutual funds. It’s safe and backed through government officials. Government of India.
- Fixed monthly payout: Enjoy predictable payouts. If, for instance, you deposit Rs3 lakh you’ll get about 1,850 per month as interest for five years.
- Flexibility of Opening: Open for individual accounts or as a part of the family of up to 3 adults.
- Simple Use: Manage your account at the post offices of any. Transfer your account to India in the event that you relocate cities.
- The Nomination Service: Assign a nominee to get your benefits if unexpected events occur.
- Premature withdrawal: Withdraw after 1 year if you require funds however, with a modest penalty.
Who Can Open a POMIS Account?
To be able to invest in POMIS you must:
- A Indian living (NRIs are not qualified)
- At minimum 10-years-old (or the minor is with the guardianship)
- You must deposit at minimum Rs1,000 with multiples of Rs1,000
How to Open Your Account
- Visit any branch of the post office close to you.
- Request your copy of the POMIS Application Form.
- Complete the Form and include your Aadhaar Card PAN Card as well as two passport-sized photographs.
- Pay the amount (cash or cheque or draft).
- Make sure you have your passbook filled up. Your monthly income begins the next month.
Rules for Early Withdrawal
- Within one calendar year- The withdrawal is not allowed.
- After 3 to 1 year-Allowed, but with a penalty of 2% for your initial deposit.
- In 3 to 5 years-It is allowed, though there is a penalty of 1%.
Should You Invest in POMIS?
If you’re looking for a risk-free solid, reliable method for regular income, then POMIS is tough to beat. It’s the perfect choice if you’re:
- A retired person who needs a pension-like payment.
- A homemaker seeking safe monthly income from savings from the past.
- A prudent investor.
- Parents looking to reserve funds for their child’s daily expenses.
POMIS Latest Updates for 2025
- The rate of interest currently is 7.4 percent per year and is regularly reviewed through the Ministry of Finance.
- The maximum deposit was set at Rs 9 lakh for a single account and the joint account limit was Rs15 lakh.
- Digital support and the post office network ensure an easy, trouble-free service across India.
Is Your Money Safe in POMIS?
Absolutely. This scheme is supported by the government therefore your investment is completely protected and you’ll get your promised return on time. No market volatility, no crashes to worry about, just peace of mind each month.
You can count upon POMIS, the Post Office Monthly Income Scheme (POMIS) for a steady, safe monthly income. It’s a great option for anyone looking for government-backed security, guaranteed return and an easy procedure. Create an account with POMIS account now at the local post office and get an easy financial future and backed by a program which millions of Indians depend on each year.
FAQ’s
1. What is the rate of interest in 2025 for POMIS 2025?
Its interest rates are 7.4 per cent that is paid out monthly and re-evaluated each quarterly by the federal government.
2. How long is the lock-in time?
Your funds are locked for 5 years, upon which you will receive your principal. The early withdrawal option is available after one year, but with the risk of being penalized.
3. Can NRIs be able to open an account with a POMIS account?
No, only Indian residents are able to open POMIS accounts.
Hi, I’m Harikesh, a content writer at cgncollege.com. I write engaging and informative articles covering the latest news, India, and global updates. My goal is to keep readers informed with accurate and insightful stories from around the world.
