Post Office Monthly Income Scheme (POMIS) is a safe and government-supported savings scheme, providing stable income every month. The scheme is specially made for those who want to avoid risk and are looking for regular monthly income. In 2025, the interest rate on this scheme is 7.4% per year, which is paid monthly. In this article, we will give all the important information of 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 certain amount and receive interest on it every month. The scheme is mainly ideal for senior citizens, retired individuals, and low -risk investors. The tenure of the scheme is 5 years and the original amount invested is returned when the term ends.
Brief description of pomis scheme
| Properties | Description |
| Name of the scheme | Post Office Monthly Income Scheme (Pomis) |
| Interest Rate (2025) | 7.4% per year |
| Minimum investment amount | ₹ 1,000 |
| Maximum investment limit (individual) | Number of 9 million |
| Maximum investment limit (joint) | 15 Laxman |
| Tenure | Five years |
| Monthly income payment | Every month |
| Risk level | Less |
The main advantage of pomis
- Safe investment: This scheme is supported by the Government of India, so there is no risk of capital.
- Monthly income: The investor gets a fixed income in the form of interest every month.
- Lock-in period: The lock-in period of the scheme is only 5 years.
- Joint Account Facility: A maximum of three people can open a joint account.
- Transfer facility: You can transfer your account from one post office to another.
- Enrollment facility: The facility to add a person to nomine while opening an account or later.
Eligibility for Pomis
The following eligibility criteria are to avail this scheme:
- The applicant should be a citizen of India.
- The minimum age should be 10 years. Parents can open an account for minors.
- NRIs are not eligible for this scheme.
Investment Process: How to open POMIS account?
The process of opening the POMIS account is very easy. Follow the steps below:
- First of all, you should have a post office savings account. If not, open it first.
- Go to your nearest post office and get the Pomis application form.
- Fill the application form and submit it with the required documents:
- Identity proof (Aadhar Card/PAN Card)
- Address proof
- Passport Size Photo
- Enter the name of the nominee in the form and mobile number form.
- Submit the initial deposit of minimum ₹ 1,000 by cash or check.
- After submitting the form, your account will be activated and you will be provided account details.
Interest rate and monthly income calculation
The interest rate on Pomis in 2025 is 7.4% per year. Below is an example of how much monthly income you can get:
| Investment amount (₹) | Interest rate (%) | Monthly income (₹) |
| ₹ 1,00,000 | 7.4% | ₹ 616 |
| ₹ 5,00,000 | 7.4% | ₹ 3,083 |
| ₹ 9,00,000 | 7.4% | ₹ 5,550 |
Important things related to pomis
- If you close the account before the term ends:
- Before 1 year: There will be no benefit.
- Between 1 and 3 years: The deposit amount will be fined 2%.
- Between 3 and 5 years: The deposit will be fined 1%.
- The income earned on this scheme is taxable but TDS does not apply.
Pomis vs other savings schemes
| Properties | Fruit | Skull deposit (FD) |
| Interest rate | 7.4% per year | About 6-7% per year |
| monthly income | Yes | No |
| Risk level | Less | Less |
| Tenure | Five years | flexible |
Why choose pomis?
- This scheme is best suited to you if you want a safe and stable monthly income.
- This is ideal for those who want regular income without risking their money.
Disclaimer:
This article has been written only for the purpose of information. Post Office Monthly Income Scheme (POMIS) is a real government scheme that provides safe and stable monthly income. However, it would be appropriate to seek expert advice before taking any financial decision.
