Everyone needs safe and regular income for their future, especially when there is no other means of retirement or fixed income. In such Post Office Monthly Income Scheme (Post Office Monthly Income Scheme – Pomis) is a very popular and reliable option.
it Scheme Government of India Supported by, so that investment in it is completely safe. The special thing is that the amount deposited in it Interest every month Get, so that your monthly needs can be fulfilled easily.Post Office Monthly Income Scheme 2025 To invest in you more technical information or complex process Not required.
This scheme Small investors, Retired people, HousewivesAnd is suitable for all those who want to get a certain income every month. The minimum amount of investment in this is also very low, so that the common man can also easily invest in it.
In this article, we will give you complete information about the post office monthly income scheme 2025-how to invest in it, how much interest is received, what are the rules and benefits, and who can invest in it.
Post Office Monthly Income Scheme Overview
| Feature/details | Acquaintance |
| Scheme name | Post Office Monthly Income Scheme (POMIS) |
| Interest Rate (2025) | 7.4% per year (monthly payment) |
| Minimum investment | ₹ 1,500 |
| Maximum investment (single) | ₹ 9,00,000 |
| Maximum investment | ₹ 15,00,000 |
| Period (lock-in period) | 5 years |
| Account type | Single, Joint (up to 3 people), Minor |
| Nomination facility | Available |
| tax benefit | Interest taxable, no 80C benefits |
| Account transfer | Possible in post office anywhere in India |
| Interest payment | Every month |
| Premature clearance | 2% penalty in 1-3 years, 1% in 3-5 years |
Main things of Post Office Monthly Income Scheme 2025
1. Interest Rate and Income Calculation
The interest rate of the post office MIS scheme in 2025 is 7.4% per year, which is transferred to your account every month. For example, if you deposit ₹ 2,00,000, you will get around ₹ 1,233 interest every month, and after 5 years your original amount will be returned. The interest rate is reviewed by the government every quarter, but it has been almost stable for the last few years.
2. Investment limit
- Single account: You can invest up to at least ₹ 1,500 and a maximum of ₹ 9,00,000.
- Joint Account: Three people together can invest up to a maximum of ₹ 15,00,000.
- Minor Account: Accounts may open in the name of children, but the limit is different.
3. Account opening process
- Go to the post office and fill the form.
- Apply essential documents (ID proof, address proof, photo).
- Submit the minimum amount.
- After opening the account, you get a passbook.
4. Nomination and transfer facility
- Nominees can be added when opening the account or later.
- If you change the city, you can transfer the account to any post office.
5. Premature withdrawal
- After 1 year, but 2% penalty when removed before 3 years.
- After 3 years, but 1% penalty on extracting before 5 years.
- Withdrawal is not allowed before 1 year.
6. Taxation
- The interest in this scheme is taxable.
- TDS does not cut, but you have to show interest in your income tax return.
- There is no tax exemption under 80C on investment.
Benefits of Post Office Monthly Income Scheme 2025
- Capital security: This scheme is fully supported by the government, so your money is completely safe.
- Fixed Income: Every month a certain amount comes to your account, which is easy to make budget.
- Liquidity: You can withdraw money before time if needed (with penalty).
- Simple Process: It is very easy to open and operate the account.
- Nomination: Nominees can be added to family safety.
- Transfer facility: You can transfer the account to any post office across the country.
- Multiple Account: You can open more than one account, but it is important to take care of the total limit.
- Minor Account: Accounts can also be opened in the name of children, due to which their financial planning starts.
How to invest in Post Office Monthly Income Scheme 2025?
1. required documents
- Identity Card (Aadhaar Card/PAN Card/Voter ID/Driving License)
- Address proof (ration card/electricity bill/water bill)
- Passport Size Photo
- Birth Certificate for Minor
2. Account opening process
- Go to the nearest post office.
- Fill the pomis form.
- Apply documents and photos.
- Submit a minimum of ₹ 1,500 or more.
- Passbook and account number will be found.
3. Online facilities
- Currently, this facility is offline in most of the post office, but online can also be applied in some places.
Conditions and Rules of Post Office Monthly Income Scheme 2025
- Penalty will have to be given on closing the account before 5 years.
- Interest can be available in your savings account or cash every month.
- You can also transfer the interest amount to the RD or other scheme of the post office.
- In the minor account, the child can operate himself as soon as he is 18 years old.
- It is important to take care of the total investment limit in the name of a person.
- It is not necessary to add a nominee while opening an account, but can also be added later.
Post Office Monthly Income Scheme 2025 Damage
- The interest rate is fixed, if the interest rates in the market increase then you will not get much benefit.
- Interest has to be taxed, no tax exemption is available.
- Penalty is imposed on withdrawing money before 5 years.
- Return may be reduced if inflation increases.
- Only Indian citizens can invest in it, not for NRI.
History of Post Office Monthly Income Scheme Interest Rate
| Duration | Interest rate (per year) |
| 1 April 2024 – 30 June 2024 | 7.4% |
| 1 January 2024 – 31 March 2024 | 7.4% |
| 1 October 2023 – 31 December 2023 | 7.4% |
| 1 July 2023 – 30 September 2023 | 7.4% |
| 1 April 2023 – 30 June 2023 | 7.4% |
| 1 January 2023 – 31 March 2023 | 7.1% |
| 1 October 2022 – 31 December 2022 | 6.7% |
| 1 April 2021 – 30 September 2022 | 6.6% |
Post Office Monthly Income Scheme is the best for whom?
- Retired people: Those who need income like pension every month.
- Housewives: Those who want safe investment sitting at home.
- Small Investors: Those who do not have a large amount, but need fixed income every month.
- For children: For the future of children through a minor account.
- Conservative Investor: Those who do not have to take risk.
Post Office Monthly Income Scheme 2025 options
- Senior Citizen Savings Scheme (SCSS)
- Bank fixed deposits (fd)
- National Savings Certificate (NSC)
- Public Provident Fund (PPF)
- Mutual Funds (SIP)
Who can open the account?
- No Indian citizen (NRI)
- Single or Joint (up to 3 people)
- Minor (above 10 years)
Why choose Post Office Monthly Income Scheme?
- Guaranteed and regular income
- Government guarantee
- Easy processes
- Family security (nominee facility)
- Flexibility of investment
conclusion
Post Office Monthly Income Scheme 2025 is a very good option for those who do not want to take risk and want fixed income every month. This scheme is completely safe, supported by the government, and it is very easy to invest in it.
However, it does not have a tax exemption and interest rate is fixed, but it is still a reliable scheme for small investors and retired people. If you want to keep your money safe and get income every month, then this scheme is right for you.
Disclaimer: This article is only aimed at information. Post Office Monthly Income Scheme 2025 is a completely real and recognized scheme recognized by the Government of India. Before investing in this, take advice from your financial advisor, especially if you have any doubt related to tax or investment. The interest rate can change from time to time, so check the fresh interest rate and rules before investment.
