Post Office Monthly Income Plan 2025: Know how to get the highest income every month, complete information!

Post Office Monthly Income Plan 2025: Know how to get the highest income every month, complete information!

Post Office Monthly Income Scheme (POMIS) is a secure and government-backed savings scheme, which provides stable income every month. This scheme is specially designed for those who are risk averse and looking for regular monthly income. In 2025, The interest rate on this scheme is 7.4% per annum, which is paid monthly. In this article, we will give all the important information about this scheme, such as its benefits, eligibility, investment process and other important aspects.

What is Post Office Monthly Income Scheme (POMIS)? 

Post Office MIS is a scheme in which you invest a fixed amount and get interest on it every month. This scheme is mainly for senior citizens, retired persons, and is ideal for investors with low risk appetite. The tenure of the scheme is 5 years and the principal amount invested is returned at the end of the tenure.

Brief description of POMIS scheme 

Name of the scheme - Post Office Monthly Income Scheme (POMIS) 

Interest rate (2025)- 7.4% per annum 

Minimum investment amount- ₹1,000 

Maximum investment limit (individual)- ₹9 lakh

Maximum investment limit (combined)- ₹15 lakh Tenure- 5 years 

Monthly income payment- every month 

Risk level- Low

Main benefits of POMIS Safe Investment: 

1. This scheme is backed by the Government of India, so there is no risk of capital. 

2. Monthly Income: The investor gets fixed income in the form of interest every month.

Minimum lock-in period: The lock-in period of the plan is only 5 years. 

4. Joint Account Facility: Maximum three people can open a joint account. 

5. Transfer Facility: You can transfer your account from one post office to another.

6. Nomination Facility: The facility to add a nominee is available at the time of opening the account or later.

Eligibility for POMIS 

Following are the eligibility criteria to avail the benefits of this scheme: 

1. The applicant must be a citizen of India.

2. Minimum age should be 10 years. 

3. Guardians can open accounts for minors. 

4. NRIs are not eligible for this scheme.

Investment Process: How to Open a POMIS Account? 

The process of opening a POMIS account is very easy. 

Follow the steps given below: 

1. First of all, you must have a post office savings account.

2. Visit your nearest post office and collect the POMIS application form. 

3. Fill the application form and submit it along with the required documents: 

•Identity Proof (Aadhar Card/PAN Card) 

•Address proof 

•Passport size photo 

•Enter the name and mobile number of the nominee in the form.

4. Enter the name and mobile number of the nominee in the form. 

5. Make a minimum initial deposit of ₹1,000 by cash or cheque. 

6. After submitting the form your account will be activated and you will be provided with account details.

Interest Rate and Monthly Income Calculation:

The interest rate on POMIS in 2025 is 7.4% per annum. Below is an example of how much monthly income you can receive:

1,00,000- 7.4%- ₹616 

₹5,00,000- 7.4%- ₹3,083 

₹9,00,000- 7.4%- ₹5,550

Important points related to POMIS 

1. If you close the account before the end of the tenure: 

•Before 1 year: No benefit will be available.

•Between 1 to 3 years: 2% penalty on deposit amount. 

•Between 3 to 5 years: 1% penalty on deposit amount.

2. The income earned on this scheme is taxable but TDS is not applicable.

Why you should choose POMIS? 

If you want a secure and stable monthly income then this plan is best suited for you. 

It is ideal for those who want regular income without risking their money.

Disclaimer: 

This article has been written for information and educational purposes only. Post Office Monthly Income Scheme (POMIS) is a genuine government scheme that provides secure and stable monthly income. However, it would be advisable to seek expert advice before taking any financial decisions.