Post Office Monthly Income Scheme 2025: Earn ₹9,250 Every Month for 5 Years with Just One-Time Investment – Full Details Inside

Looking for a safe and reliable source of monthly income apart from your salary or pension? The Post Office Monthly Income Scheme (POMIS) is a government-backed plan that can give you guaranteed monthly returns for 5 years. It’s an ideal option for senior citizens, retirees, or anyone seeking regular passive income with zero risk.

📌 What is the Post Office Monthly Income Scheme (POMIS)?

POMIS is a one-time investment scheme offered by India Post. You invest a lump sum once, and every month, you receive a fixed interest payout. The biggest advantage? Your capital is completely safe, and the returns are assured.

💸 How Much Monthly Income Can You Get?

• If you invest ₹9 lakh (maximum for a single account), you get approx. ₹5,500 per month

• If you invest ₹15 lakh in a joint account, the monthly income goes up to ₹9,250

The current interest rate is 7.4% per annum, paid out monthly. This rate is fixed at the time of investment.

📅 Scheme Duration and Withdrawal Rules

• Tenure: 5 years

• No withdrawal allowed during the first year

• Premature withdrawals after 1 year attract a small penalty

• After 5 years, you get the entire invested amount back

• You can reinvest in the same scheme again

👤 Who Can Open an Account?

• Any Indian citizen aged 18 or above

• Single or Joint accounts (up to 3 joint holders)

• Parents/guardians can open accounts for children aged 10 years or older

💼 Investment Limits Account Type Minimum Investment Maximum Investment

Single Account	₹1,000	₹9,00,000
Joint Account	₹1,000	₹15,00,000

✅ Why You Should Invest in POMIS

• 100% Capital Protection – Backed by the Government of India

• Monthly Income – Ideal for retirees, non-pensioners, or conservative investors

• No Market Risk – Safe from stock market volatility

• Simple Process – Easily open an account at your nearest post office

🧾 Documents Required

• Aadhar Card

• PAN Card

• Address Proof

• Passport-size Photo

• Passbook or Post Office Savings Account Details

🔚 Final Word:

If you're looking for a low-risk, fixed-return scheme that ensures guaranteed monthly income, the Post Office Monthly Income Scheme (POMIS) is a great choice. Just one-time investment and enjoy stable returns for 5 years — perfect for senior citizens or anyone planning for steady post-retirement income.

📍Note: Interest rates are subject to change periodically. Always check the latest updates at your nearest post office before investing.