Earn ₹9255 Every Month from Post Office MIS : If you’re looking for a safe investment with monthly income, the Post Office Monthly Income Scheme (POMIS) is an excellent option. Backed by the Government of India, this scheme ensures guaranteed returns and is ideal for those who want low-risk, fixed monthly income. With no market volatility and a steady payout, it’s especially attractive to retirees, senior citizens, and low-risk investors.
Earn ₹9255 Every Month from Post Office MIS
Let’s explore the features of POMIS, how much monthly interest you earn on ₹1 lakh investment, and the latest POMIS interest rate July–September 2025.
POMIS is a government-backed small savings scheme that offers a fixed monthly interest payout on a one-time deposit. Any Indian resident aged 18 years or above can invest in it. Minors over 10 years can also open a POMIS account under the supervision of a guardian.
This scheme is designed for people who prefer risk-free monthly earnings without depending on volatile stock markets or mutual funds. It’s one of the most trusted options in India Post Savings Schemes.
POMIS Interest Rate July – September 2025
The Ministry of Finance reviews POMIS interest rates every quarter. For the July to September 2025 quarter, the rate is expected to be officially announced soon. As of now, POMIS offers 7.4% annual interest, paid out monthly.
That means investors receive a fixed monthly return, and the interest is credited directly to your linked post office savings account.
Post Office Monthly Income Scheme Deposit Limits : Minimum and Maximum
To open a Post Office Monthly Income Scheme account, the minimum deposit amount is ₹1,000, and further investments must be in multiples of ₹1,000. For individual accounts, the maximum limit is ₹9 lakh, while a joint account (up to 3 adults) can hold up to ₹15 lakh.
Although you can open multiple POMIS accounts, the combined deposit limit across all your accounts cannot exceed ₹9 lakh.
Earn ₹9255 Every Month from Post Office MIS
Wondering how much you can earn every month with a small investment? If you deposit ₹15 lakh in POMIS, you’ll earn ₹9,255 per month as interest at the current 7.4% interest rate. Over a year, your total earnings will be around ₹1,11,060, which is a reliable passive income source for small investors.
Post Office Monthly Income Scheme Interest Calculator – 2025
| Investment Amount (₹) | Monthly Income (₹) | Annual Interest (₹) | Total Interest in 5 Years (₹) | Maturity Amount (₹) |
|---|---|---|---|---|
| 1,00,000 | 617 | 7,404 | 37,020 | 1,00,000 |
| 3,00,000 | 1,851 | 22,212 | 1,11,060 | 3,00,000 |
| 5,00,000 | 3,085 | 37,020 | 1,85,100 | 5,00,000 |
| 7,50,000 | 4,628 | 55,530 | 2,77,650 | 7,50,000 |
| 9,00,000 (Max Single) | 5,553 | 66,636 | 3,33,180 | 9,00,000 |
| 15,00,000 (Max Joint) | 9,255 | 1,11,060 | 5,55,300 | 15,00,000 |
Post Office Monthly Income Scheme Withdrawal Rules
Withdrawals from the POMIS account are not allowed before 1 year from the date of account opening. If you decide to close the account after 1 year but before 3 years, a 2% deduction from the principal amount is applicable.
If Post Office Monthly Income Scheme account is closed between 3 to 5 years, then a 1% deduction from the principal will be made. After 5 years, the scheme matures and the full principal is returned without any penalty.
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