Looking for a safe and stable way to earn a fixed income every month? The Post Office Monthly Income Scheme (POMIS) might be just what you need. Backed by the Government of India, this low-risk savings plan offers assured returns, making it one of the most reliable income-generating options available today—especially for retirees, homemakers, and conservative investors.
In this article, we’ll break down how the scheme works, who can benefit, and how much monthly income you can actually earn—up to ₹9,250 per month, with zero market risk.
POMIS is a fixed return investment scheme offered by India Post across its network of post offices nationwide. Officially named the Post Office National Savings (Monthly Income Account) Scheme, it is ideal for anyone looking for regular, monthly income with government-backed security.
Unlike market-based instruments like mutual funds or shares, POMIS offers guaranteed interest payouts, directly credited to your account every month.
As of now, the annual interest rate for POMIS is 7.4%. The interest is calculated yearly but paid out monthly to your linked Post Office Savings Account.
For example, if you invest ₹15 lakh (maximum limit for a joint account), the annual return will be ₹1,11,000, resulting in a monthly income of ₹9,250.
POMIS allows both single and joint account holders. Here's a look at how much you can earn:
Annual Interest: ₹1,11,000
Monthly Income: ₹9,250
Best for: Married couples or co-investors seeking a reliable monthly return.
Annual Interest: ₹66,600
Monthly Income: ₹5,550
Best for: Retirees, homemakers, or individuals with idle savings.
These figures show that POMIS can effectively turn your lump-sum savings into a monthly pension-style income stream.
Open an account at any post office with the required KYC documents.
Deposit a lump sum—minimum ₹1,000 and up to ₹9 lakh (single) or ₹15 lakh (joint).
Earn monthly interest, credited to your Post Office Savings Account.
Tenure: 5 years, with an option to reinvest or withdraw after maturity.
If you don't withdraw the monthly interest, it accumulates in your savings account or can be reinvested in other schemes.
Interest Rate: 7.4% (subject to quarterly revision)
Payout: Monthly
Tenure: 5 years
Minimum Deposit: ₹1,000
Maximum Deposit: ₹9 lakh (single), ₹15 lakh (joint)
Risk Level: Virtually zero (Government-backed)
Account Transferable: Yes, across India
Senior citizens looking for stable monthly income
Retired government/private employees
Homemakers managing household budgets
Conservative investors who prefer guaranteed returns over market-linked risks
Disclaimer: Investments are subject to terms and policy conditions. While the POMIS is a safe scheme, always consult a certified financial advisor for personalized guidance. Times Bull does not hold responsibility for investment decisions made by individuals.
With interest rates on savings accounts still modest, the Post Office Monthly Income Scheme is a smart way to park your lump sum and earn predictable, tax-efficient monthly income. If you're seeking financial stability with virtually no risk, POMIS remains one of the most attractive investment options in 2025.
