If you’re looking for a safe investment option that offers fixed monthly income, the India Post’s Monthly Income Scheme (POMIS) 2025 could be a great choice. It is especially ideal for senior citizens, homemakers, retired employees, and anyone who prefers low-risk investments with guaranteed returns.
Backed by the Government of India, this updated version of POMIS comes with several benefits and attractive features. The best part? You can now invest up to ₹9 lakh in a joint account and earn ₹18,350 every month in interest.
Features of Post Office MIS 2025
- Guaranteed Monthly Income
- Fixed Tenure of 5 Years
- Safe Investment with Government Guarantee
- Investment Limit:
- ₹4.5 lakh for Single Account
- ₹9 lakh for Joint Account
- Current Interest Rate: 7.4% per annum (paid monthly)
- Available at all post offices across India
How You Can Earn ₹18,350 Monthly from ₹9 Lakh Investment
If you invest ₹9 lakh in a joint account, at the current interest rate of 7.4% per annum, you will receive:
- ₹5,550 every month as interest
- Total interest in 5 years: ₹3,99,600
- Option for quarterly payments also available
Who Can Invest in POMIS 2025?
- Any Indian citizen above 18 years of age
- Minors can invest through their guardian
- Maximum of 3 people can open a joint account
Required Documents & Application Process
- Aadhaar Card, PAN Card, and Address Proof
- Passport-size Photograph
- Visit your nearest post office
- Fill and submit the POMIS application form
- Deposit amount via cash or cheque
- A passbook will be issued instantly
POMIS vs Other Saving Schemes
| Scheme | Interest Rate | Monthly Income | Tenure | Risk Level |
|---|---|---|---|---|
| Post Office MIS | 7.4% | Yes | 5 Years | Very Low |
| SBI FD | 6.5% | No | 5 Years | Low |
| Senior Citizen FD | 7.5% | No | 5 Years | Low |
| NSC | 7.7% (Comp.) | No | 5 Years | Very Low |
| PPF | 7.1% (Comp.) | No | 15 Years | Very Low |
| Debt Mutual Funds | Variable | No | Flexible | Moderate |
Things to Keep in Mind Before Investing
- Interest earned is taxable as per income tax slab
- No tax benefit under Section 80C
- Account can be closed after 1 year (with penalty)
- No online facility – all transactions are offline
Conclusion
The Post Office Monthly Income Scheme 2025 is a reliable, risk-free option for those who want steady monthly returns. With a government guarantee and simple process, it offers peace of mind and predictable income — especially useful for retirees and conservative investors.
