Post Office MIS 2026: Earn ₹9,250/Month + Free POMIS Calculator
Earn a guaranteed fixed income every month — completely government-backed, zero market risk. Here's everything you need to know.
The Post Office Monthly Income Scheme (POMIS) is one of India's most trusted government savings schemes. You have to deposit a lump sum once — and every month, you will receive interest as income, directly in your bank account.
No market risk. No need to follow daily events of the Indian Economy. Just steady, fixed money — every single month.
POMIS is backed by the Government of India — your principal is 100% safe throughout the full 5-year tenure.
01. What is Post Office Monthly Income Scheme?
POMIS is a fixed-income savings scheme offered by India Post on behalf of the Government of India. You invest a one-time lump sum and earn interest at the rate of 7.4% per year. This interest is paid out every month for 5 years. At the end of 5 years, you get your full principal back.
Quick Snapshot
- ● Interest is paid monthly — not quarterly or annually
- ● Your principal remains safe and is returned at maturity
- ● You can link your post office account to any bank for auto-credit
- ● The scheme can be opened in single or joint name
02. Investment Limits
The government has set maximum limits on how much you can invest. Here are the current limits for 2026:
| Account Type | Minimum Investment | Maximum Investment |
|---|---|---|
| Single Account | ₹1,000 | ₹9,00,000 |
| Joint Account (2 holders) | ₹1,000 | ₹15,00,000 |
Tip: A married couple can open a joint account and invest up to ₹15 lakh — earning up to ₹9,250 per month together.
03. Post Office Monthly Income (POMIS) Calculator
Enter your investment amount below to instantly see your monthly income, annual earnings, and total returns over 5 years.
* Calculated at 7.4% p.a. simple interest. Actual payout may vary marginally due to rounding. Interest is taxable as per your income tax slab.
04. Scheme Highlights at a Glance
05. Key Benefits of Post Office MIS
- ● 100% safe: Backed by the Government of India — your money is never at risk
- ● Guaranteed monthly income: Fixed payout regardless of market conditions
- ● No TDS at source: India Post does not deduct TDS on interest payments
- ● Nomination facility: Add a nominee to protect your family's interests
- ● Joint account option: Double your investment limit by opening with a family member
- ● Premature withdrawal: Exit allowed after 1 year with a small penalty
- ● Transferable: Account can be moved to any post office across India
- ● Auto-credit: Monthly interest goes straight to your linked bank account
Tax Note: Interest earned from POMIS is fully taxable as per your income tax slab. There is no Section 80C deduction available on POMIS investment.
06. Who Should Invest in POMIS?
Post Office MIS works best for investors who value safety and predictability over high growth. Here are the ideal investor profiles:
Ideal for those who need reliable monthly income after retirement without touching the principal.
Perfect if you want zero market exposure and guaranteed returns regardless of economic conditions.
Convert idle savings into a steady monthly income stream without any complexity.
Investors looking for a stable fixed-income component to balance equity or mutual fund exposure.
Smart move: Use the monthly interest from POMIS to fund a SIP in a mutual fund. Your principal stays safe while your income builds long-term wealth.
07. How to Open a Post Office MIS Account
Opening a POMIS account is straightforward. You just need to visit your nearest post office with a few documents. Here is the step-by-step process:
Go to any India Post branch. Ask for the MIS account opening form at the service counter.
Complete the form with your personal details, investment amount, and nominee information.
Provide self-attested copies of Aadhaar or PAN, address proof, and passport-size photographs.
Pay via cash, cheque, or demand draft. Minimum ₹1,000; maximum ₹9 lakh (single) or ₹15 lakh (joint).
Share your bank details so monthly interest is auto-credited — no need to visit the post office each month.
08. Frequently Asked Questions
09. Conclusion
The Post Office Monthly Income Scheme is one of the best choices for anyone who wants safe, predictable monthly income without any market risk.
It is not a wealth-building tool — but it is a rock-solid income tool. If you are a retiree, a homemaker with lump-sum savings, or someone looking to diversify into guaranteed returns, POMIS deserves a serious place in your portfolio.
And here is a smart idea: use the monthly interest from POMIS to fund a SIP in an ELSS or index fund. Your principal stays safe at the post office while your investments work harder in the markets.
Start Earning Every Month
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