Looking for a safe and stable way to earn a fixed income every month? The Post Office Monthly Income Scheme (POMIS) might be just what you need. Backed by the Government of India, this low-risk savings plan offers assured returns, making it one of the most reliable income-generating options available today—especially for retirees, homemakers, and conservative investors.
In this article, we’ll break down how the scheme works, who can benefit, and how much monthly income you can actually earn—up to ₹9,250 per month, with zero market risk.
🔍 What Is the Post Office Monthly Income Scheme (POMIS)?
POMIS is a fixed return investment scheme offered by India Post across its network of post offices nationwide. Officially named the Post Office National Savings (Monthly Income Account) Scheme, it is ideal for anyone looking for regular, monthly income with government-backed security.
Unlike market-based instruments like mutual funds or shares, POMIS offers guaranteed interest payouts, directly credited to your account every month.
💰 Current Interest Rate in 2025
As of now, the annual interest rate for POMIS is 7.4%. The interest is calculated yearly but paid out monthly to your linked Post Office Savings Account.
For example, if you invest ₹15 lakh (maximum limit for a joint account), the annual return will be ₹1,11,000, resulting in a monthly income of ₹9,250.
👫 Earnings from Single vs Joint Accounts
POMIS allows both single and joint account holders. Here's a look at how much you can earn:
➤ Joint Account (₹15 Lakh Investment)
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Annual Interest: ₹1,11,000
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Monthly Income: ₹9,250
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Best for: Married couples or co-investors seeking a reliable monthly return.
➤ Single Account (₹9 Lakh Investment Limit)
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Annual Interest: ₹66,600
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Monthly Income: ₹5,550
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Best for: Retirees, homemakers, or individuals with idle savings.
These figures show that POMIS can effectively turn your lump-sum savings into a monthly pension-style income stream.
🏦 How Does the Scheme Work?
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Open an account at any post office with the required KYC documents.
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Deposit a lump sum—minimum ₹1,000 and up to ₹9 lakh (single) or ₹15 lakh (joint).
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Earn monthly interest, credited to your Post Office Savings Account.
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Tenure: 5 years, with an option to reinvest or withdraw after maturity.
If you don't withdraw the monthly interest, it accumulates in your savings account or can be reinvested in other schemes.
✅ Key Features at a Glance
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Interest Rate: 7.4% (subject to quarterly revision)
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Payout: Monthly
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Tenure: 5 years
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Minimum Deposit: ₹1,000
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Maximum Deposit: ₹9 lakh (single), ₹15 lakh (joint)
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Risk Level: Virtually zero (Government-backed)
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Account Transferable: Yes, across India
📌 Who Should Invest?
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Senior citizens looking for stable monthly income
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Retired government/private employees
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Homemakers managing household budgets
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Conservative investors who prefer guaranteed returns over market-linked risks
⚠️ Important Note
Disclaimer: Investments are subject to terms and policy conditions. While the POMIS is a safe scheme, always consult a certified financial advisor for personalized guidance. Times Bull does not hold responsibility for investment decisions made by individuals.
📝 Final Thoughts
With interest rates on savings accounts still modest, the Post Office Monthly Income Scheme is a smart way to park your lump sum and earn predictable, tax-efficient monthly income. If you're seeking financial stability with virtually no risk, POMIS remains one of the most attractive investment options in 2025.
