Post Office Monthly Income Scheme- The Post Office Monthly Income Scheme (POMIS), launched by the Government of India, is a secure investment option offering a fixed interest rate of 7.4% annually from April 2025. This scheme is ideal for individuals looking for a stable and predictable source of income, as it provides monthly returns on the invested amount.
The POMIS is available to Indian citizens over the age of 18, with the provision for minors aged 10 and above to open an account under a legal guardian. The minimum investment required is ₹1,000, while the maximum investment limits are ₹9 lakhs for individual accounts and ₹15 lakhs for joint accounts.
Post Office Monthly Income Scheme 2025
The scheme has a 5-year maturity period, after which the investor can withdraw the principal along with the earned interest. Opening a POMIS account is simple and requires submission of basic documents such as identity proof, address proof, and a nominal deposit. The Post Office Monthly Income Scheme (POMIS) is an excellent investment option for those seeking guaranteed returns with minimal risk.
The interest is calculated and paid monthly, making it an excellent choice for individuals seeking regular income. Moreover, the scheme is government-backed, providing a secure way for investors to grow their savings without the risk associated with market-based investments. Whether for retirement savings or as an alternative to fixed deposits, the POMIS is a valuable tool for wealth preservation and generating consistent returns.
Post Office Monthly Income Scheme 2025 Overviews
| Feature | Details |
| Interest Rate | 7.4% per annum |
| Minimum Investment | ₹1,000 |
| Maximum Investment | ₹9 Lakhs (Individual), ₹15 Lakhs (Joint) |
| Category | Sarkari Yojana |
| Account Type | Single and Joint Accounts |
| Eligibility | Indian citizens aged 18+; minors (10+ with guardian) |
| Maturity Period | 5 years |
| Interest Payment | Monthly |
| Government Backing | Yes, fully backed by the Government of India |
About Post Office Monthly Income Scheme
The Post Office Monthly Income Scheme (POMIS) is one of India’s most trusted and high-yielding investment options, offering a reliable source of monthly income. This scheme is fully backed by the Government of India, making it a safe and secure way for individuals to invest and earn a fixed monthly income. With an interest rate of 7.4% starting from April 2025, the scheme has become an attractive option for many investors looking for a stable source of income. The POMIS is widely available across India through post offices, making it easily accessible for a large number of people.
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Key Features of POMIS 2025
- Interest Rate: The POMIS offers a fixed interest rate of 4% per annum from April 2025. This interest is credited monthly, making it an ideal choice for those who seek a regular income stream.
- Investment Range: The minimum investment required to open a POMIS account is ₹1,000. The maximum investment limit is ₹9 lakhs for an individual account and ₹15 lakhs for a joint account, which can have up to three account holders.
- Account Types: The scheme is available for both single and joint A joint account can have a maximum of three people.
- Maturity Period: The POMIS has a fixed maturity period of 5 years, making it a long-term investment that ensures steady returns over time.
- Government Backing: As a government-backed savings plan, POMIS offers the security and trust of the Indian government, which makes it an appealing choice for risk-averse investors.
POMIS Interest Rates 2025
- Interest Rate: 4%(fixed)
- Minimum Investment: ₹1,000
- Maximum Investment: ₹9 lakhs(individual), ₹15 lakhs (joint account)
- Account Type: Available for both single and joint accounts
- Maturity Period: 5 years
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Eligibility Criteria
To be eligible for the POMIS 2025, you need to fulfill the following criteria:
- The scheme is available to Indian citizens who are 18 years or older.
- Minors over the age of 10 years can also open an account, provided a legal guardian or parent manages the account on their behalf. The minor can access the money only after turning 18.
- Joint accounts can be opened with a maximum of three individuals.
How to Open a POMIS Account 2025?
Opening a POMIS account is a simple process that involves the following steps:
- Visit the Nearest Post Office: To begin, visit your nearest post office and collect the POMIS application form.
- Fill Out the Form: Complete the application form with the required details.
- Submit Documents: You will need to submit identity proof, address proof, Aadhaar/PAN card, photographs, and nominee details.
- Initial Deposit: Deposit the minimum required amount of ₹1,000or more, depending on your investment plan.
- Verification: The post office will verify your documents and process the opening of your account.
- Receive Passbook: Once the account is opened, you will receive a passbook containing details of your investment, interest, and maturity period.
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Conclusion
In conclusion, the Post Office Monthly Income Scheme (POMIS) is a reliable and secure investment option for individuals seeking a stable and regular income. With a fixed interest rate of 7.4% and government backing, it offers a safe way to grow savings over time. The scheme’s flexibility, with low minimum investment requirements and the option for both individual and joint accounts, makes it accessible to a wide range of investors. Additionally, the monthly payouts make it an attractive choice for those looking for consistent income, especially retirees and people seeking financial stability.
Post Office Monthly Income Scheme FAQ’S
What is the interest rate of POMIS in 2025?
The interest rate for POMIS in 2025 is 7.4% per annum.
What is the minimum investment required to open a POMIS account?
The minimum investment required to open a POMIS account is ₹1,000.
Can a minor open a POMIS account?
Yes, a minor above the age of 10 years can open a POMIS account with a legal guardian.
What is the maximum investment limit for a joint POMIS account?
The maximum investment limit for a joint POMIS account is ₹15 lakhs.
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