Post Office Monthly Income Scheme 2025: Earn ₹5,550 Every Month with Guaranteed Returns

New Delhi, April 7 For investors seeking a stable and risk-free monthly income, the Post Office Monthly Income Scheme (POMIS) offers an attractive solution. Backed by the Government of India, this savings scheme ensures regular monthly payouts with guaranteed returns, making it a popular choice among senior citizens, retirees, and conservative investors.

Fixed Monthly Income with 7.4% Annual Interest

Under the Post Office Monthly Income Scheme, investors can earn a fixed monthly income by investing a lump sum amount. As of now, the scheme offers a 7.4% annual interest rate, disbursed monthly directly into the investor’s Post Office Savings Account.

• Minimum investment: ₹1,000

• Maximum investment (single account): ₹9 lakh

• Maximum investment (joint account with up to 3 holders): ₹15 lakh

If you invest ₹9 lakh (maximum limit for a single account), you will receive ₹5,550 per month, amounting to ₹66,600 per year in interest. Over the 5-year tenure, the total interest earned would be over ₹3.30 lakh, making this an ideal scheme for those looking for steady income without market risks.

Key Features of the Monthly Income Scheme

• Lock-in period: 5 years

• Early withdrawal: Allowed after 1 year with applicable penalties

• Guaranteed returns: Fully secure and government-backed

• Interest payout: Monthly, credited directly to your linked Post Office Savings Account

• Reinvestment option: At maturity, the principal can be reinvested or withdrawn

Who Should Invest?

The scheme is best suited for:

• Retirees and senior citizens looking for safe monthly income

• Low-risk investors who prefer fixed returns over volatile market options

• Families who want an alternative to bank fixed deposits with monthly payouts

To open a POMIS account, you must have an active Post Office Savings Account. The account can be opened at any post office across India with valid KYC documents.

With interest rates that often outperform bank fixed deposits, and the trust of a government-backed institution, the Post Office Monthly Income Scheme remains a dependable income tool in 2025.