Post Office Monthly Income Scheme: How Much Will You Earn On 9 Lakh & 15 Lakh Investment?

The Post Office Monthly Income Scheme (POMIS) is one of the most trusted government-backed savings options in India. Known for its safety and stability, the scheme currently offers an interest rate of 7.4% per annum (FY 2025-26), designed for investors who want a regular, fixed monthly income with very low risk, making it ideal for retirees and conservative savers.

Offered by India Post, the scheme can be started with a minimum investment of just Rs 1,000. The maximum limit is Rs 9 lakh for a single account and Rs 15 lakh for a joint account, with a fixed tenure of five years. Investors make a one-time lump sum deposit and receive monthly interest payouts throughout the term, ensuring a steady income stream.

Key Features Of Post Office Monthly Income Scheme (POMIS)

1. Transfer Facility

You can easily transfer your POMIS account from one post office to another anywhere in India without losing any benefits. This makes the scheme convenient even if you relocate.

2. Low-Risk Investment

Since the scheme is fully backed by the Government of India, it is not affected by stock market fluctuations.

3. Guaranteed Returns

POMIS offers fixed and guaranteed returns. Your principal amount remains safe, making it a reliable option for risk-averse investors.

4. Joint Account Option

The scheme allows joint accounts with up to three holders. In such cases, the maximum investment limit is Rs 15 lakh, making it suitable for families.

5. Premature Withdrawal Facility

You can withdraw your money before maturity if needed, but certain conditions apply. If you withdraw the corpus before completing a year, there are no benefits. If you withdraw it between the 1st and 3rd year, the entire deposit is refunded after deducting 2% of the total deposit as a penalty. If you withdraw the corpus between the 3rd and 5th year, the entire withdrawal is refunded after deducting 1% of the total deposit as a penalty.

6. Reinvestment Option

After maturity, investors can reinvest the amount for another 5-year term to continue earning monthly income.

Monthly Income from POMIS

The scheme pays interest every month based on the invested amount and the applicable annual interest rate (currently 7.4%). The total yearly interest is divided into 12 equal monthly payments, ensuring a predictable income.

Here is how the monthly returns work on maximum investment:

Example 1: Rs 9 lakh (Single Account)
Investment amount: Rs 9,00,000
Monthly income: Rs 5,550
Total interest in 5 years: Rs 3,33,000

Example 2: Rs 15 lakh (Joint Account)
Investment amount: Rs 15,00,000
Monthly income: Rs 9,250
Total interest in 5 years: Rs 5,55,000

The Post Office Monthly Income Scheme is especially useful for those who prefer safety over high-risk investments. With guaranteed returns and regular monthly payouts, it helps investors manage household expenses and plan financial stability with ease.