Post Office Monthly Income Scheme Calculator 2026

📈 Calculator

POMIS Calculator
Post Office MIS

Post Office Monthly Income Scheme — Calculate your guaranteed monthly payout instantly

Current Rate: 7.4% p.a.  ·  Tenure: 5 Years  ·  Govt. Guaranteed

Account Type

Max: ₹9 Lakh

Investment Amount

₹

Please enter an amount between ₹1,000 and the maximum limit for your account type.

₹1,000 ₹9,00,000

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Your Monthly Income & Returns

Monthly Payout

₹3,083

Paid every month for 5 years

Credited
Monthly

₹37,000 Annual Income

₹1,85,000 Total Interest (5 Yrs)

₹5,00,000 Maturity Value

Principal vs Interest Breakdown

Principal 73% Total Interest 27%

Particulars	Amount
Investment Amount	₹5,00,000
Interest Rate	7.4% per annum
Monthly Income	₹3,083
Annual Income	₹37,000
Tenure	5 Years (60 months)
Total Interest Earned	₹1,85,000
Total Returns (5 Yrs)	₹6,85,000

Show Premature Withdrawal Penalty

⚠ Premature Closure Penalty

After 1–3 Years

₹4,90,000

2% deducted from principal

After 3–5 Years

₹4,95,000

1% deducted from principal

✅ Govt. Guaranteed ✅ No TDS Deducted ✅ Min. ₹1,000 ✅ 5-Year Tenure ✅ Nominee Allowed

Calculator by SmartINR.com — Based on 7.4% p.a. rate (Q1 FY2025-26). Rate is subject to government revision each quarter. Consult your nearest post office for the latest rate.