Best POMIS Calculator 2026: ₹1 Lakh Se ₹15 Lakh Par Kitna Milega?
Last Updated: 6 March 2026
Agar aap ek aisi investment scheme dhundh rahe hain jahan ek baar paisa invest karne ke baad har mahine fixed income milti rahe, toh Post Office Monthly Income Scheme (POMIS) ek popular aur reliable option ho sakta hai.
Yeh scheme un logon ke liye khas taur par useful hai jo safe investment ke saath regular monthly income generate karna chahte hain, jaise retirees ya conservative investors. Agar aap POMIS me paisa invest karne ka plan bana rahe hain, toh sabse pehle yeh samajhna zaroori hai ki kitne investment par har mahine kitni income milegi.
Isi calculation ko asaan banane ke liye POMIS calculator ka use kiya jata hai. Is guide me hum simple examples aur table ke through samjhenge ki ₹1 lakh se ₹15 lakh tak investment par kitni monthly income mil sakti hai.
Agar aap yeh dekhna chahte hain ki ₹1 lakh se ₹15 lakh tak investment par monthly income kitni mil sakti hai, to hamara detailed guide zaroor dekhein: POMIS 2026: ₹1–15 Lakh Par Kitna Monthly Income Milega
Post Office MIS Interest Rate For 2026
January–March 2026 quarter ke liye POMIS interest rate 7.4% per annum(India Post) hai. Yeh rate government har quarter review karti hai, lekin historically yeh interest rate relatively stable raha hai.. Iss interest rate ke aadhar par invest kiye gaye amount ka total yearly me se divide karke monthly payout ke roop me diya jata hai.
Monthly payout nikalane ka formula simple hai:
Monthly Income = (Invested Amount × 7.4%) ÷ 12
Example:
Maan lijiye apne agar 1 Lakh ka investment kiya aur abhi ka POMIS interest rate 7.4% hai to
Monthly Income = ( 100000 * 7.4/100 ) ÷ 12 = ₹617
Iska matlab ₹617 rupees apko har month aapke bank account me credit hote jayenge, pure 5 saal ke liye.
2026 ke liye POMIS interest rate 7.4% per annum hai. Agar aap latest quarter-wise interest rate detail me dekhna chahte hain to yeh guide padhein: Post Office MIS Interest Rate 2026
POMIS Calculator 2026
Niche diye gaye POMIS calculator se aap directly jaan sakte hai ki aapko kitne investment par monthly income kitni hogi aur sath hi sath aap ye bhi jaan payenge ki total kitna interest mila 5 saal ki maturity par aur total payout amount kitna hoga full maturity ke time.
POMIS Calculator 2026
Monthly Income:
Total Interest Earned:
Total Payout Amount:
Penalty (if any):
POMIS Calculator 2026: Poora Table
Neeche diye gaye table mein aap dekh sakte hain ki alag-alag investment amounts par aapki monthly aur yearly income kitni hogi.
| Investment Amount | Monthly Income (₹) | Yearly Income (₹) |
| ₹1,00,000 | ₹617 | ₹7,400 |
| ₹2,00,000 | ₹1,233 | ₹14,800 |
| ₹3,00,000 | ₹1,850 | ₹22,200 |
| ₹4,00,000 | ₹2,467 | ₹29,600 |
| ₹5,00,000 | ₹3,083 | ₹37,000 |
| ₹6,00,000 | ₹3,700 | ₹44,400 |
| ₹7,00,000 | ₹4,317 | ₹51,800 |
| ₹8,00,000 | ₹4,933 | ₹59,200 |
| ₹9,00,000 | ₹5,550 | ₹66,600 |
| ₹10,00,000 | ₹6,167 | ₹74,000 |
| ₹11,00,000 | ₹6,783 | ₹81,396 |
| ₹12,00,000 | ₹7,400 | ₹88,800 |
| ₹13,00,000 | ₹8,017 | ₹96,204 |
| ₹14,00,000 | ₹8,633 | ₹1,03,596 |
| ₹15,00,000 | ₹9,250 | ₹1,11,000 |
Yeh properly calculated figures hain jo 7.4% annual interest rate ke basis par nikale gaye hain.
POMIS Calculator Kyun Important Hai
Investment karne se pehle calculator use karna zaroori hota hai kyunki isse aapko clear idea milta hai ki:
- kitni monthly income milegi
- kitna investment karna chahiye
- retirement planning kaise karni hai
Ye especially un logon ke liye useful hai jo fixed monthly income generate karna chahte hain.
Post Office MIS Maximum Investment Limit
2026 ke rules ke according POMIS me maximum investment limit har investor ke liye tay kiya gya hai. POMIS mein investment ki limit fixed hai:
- Single Account: Maximum ₹9 lakh
- Joint Account (2 log): Maximum ₹15 lakh
- Minimum Investment: ₹1,000
Matlab agar aap sirf apne naam se account kholte hain toh max ₹9 lakh laga sakte hain. Lekin agar aap apne spouse ke saath joint account kholte hain, toh combined limit ₹15 lakh ho jaati hai, jisme ₹9,250 per month ka return milta hai.
Ek Practical Example
Sochiye Ramesh ji ne abhi retire kiya. Unke paas ₹15 lakh ki savings hain. Woh ek joint account apni wife ke saath kholte hain aur ₹15 lakh invest karte hain..
Result: - Monthly income: ₹9,250 - Yearly income: ₹1,11,000 - 5 saal mein total interest: ₹5,55,000 - Principal wapas: ₹15,00,000 (poora)
Bina kisi risk ke, bina kisi tension ke bas ek baar invest karo aur paisa aata rahe.
Agar aap POMIS ko Bank FD se compare karna chahte hain to ye detailed article padhein: POMIS vs Bank FD 2026: Complete Comparison Guide
POMIS Account Kaise Kaam Karta Hai?
POMIS ka tenure 5 saal ka hota hai. Ek baar paisa deposit kar do, aur post office aapko har mahine ek fixed amount aapke linked savings account me transfer karta rahega.
5 saal baad aapka original principal wapas mil jaata hai, ek paisa bhi cut nahi hota. Is lihaz se yeh ek low-risk government-backed scheme hai jo regular cash flow deti hai.
Iss investment se related kuchh important baatein:
- Account kholne ke pehle 1 saal tak premature withdrawal nahi hoti
- 1 saal ke baad nikalna ho toh kuch penalty lagti hai
- Interest taxable hoti hai, yani income tax slab ke hisaab se TDS applicable ho sakta hai
- POMIS mein Section 80C ka benefit nahi milta
Q1: POMIS calculator kya hota hai?
Ans: POMIS calculator ek online tool hai jo Post Office Monthly Income Scheme me kiye gaye investment par milne wali monthly income ka estimate nikalne me madad karta hai.
Q2: ₹1 lakh POMIS me invest karne par monthly income kitni milti hai?
Ans: Agar interest rate 7.4% ho to ₹1 lakh investment par lagbhag ₹617 per month mil sakte hain.
Q3: ₹5 lakh POMIS me invest karne par monthly income kitni hogi?
Ans: ₹5 lakh investment par 7.4% interest rate ke hisaab se lagbhag ₹3083 monthly income mil sakti hai.
Q4: POMIS calculator kaise kaam karta hai?
Ans: POMIS calculator investment amount, interest rate aur investment period ko use karke monthly income aur total interest ka calculation karta hai.
Q5: Post Office MIS me maximum investment kitna kar sakte hain?
Ans: Single account me maximum ₹9 lakh aur joint account me ₹15 lakh tak invest kiya ja sakta hai.
Q6: Kya POMIS calculator exact return batata hai?
Ans: Calculator ek estimated result deta hai. Actual return government ke interest rate aur rules par depend karta hai.
Q7: Agar 5 saal se pehle POMIS se paisa nikalte hain to kya penalty lagti hai?
Ans: Premature withdrawal par penalty lag sakti hai. 3 saal se pehle withdrawal par lagbhag 2% aur 3–5 saal ke beech withdrawal par lagbhag 1% penalty lag sakti hai.
Conclusion
POMIS 2026 ek reliable, post office investment option hai unke liye jo low-risk government backed scheme chahte hai. 7.4% annual interest rate ke saath, yeh scheme FDs aur kai other instruments se competitive hai.
Agar aap detailed me janana chahate hai ki account open kaise kare to hamari ye guide padhe: POMIS 2026 Account Opening Full Guide
Agar aapke paas ₹1 lakh se ₹15 lakh tak ki savings hai aur aap chahte hai ki har mahine kuch fixed amount aata rahe to POMIS seriously consider kare. Aur agar aap POMIS me invest karne ka plan bana rahe hain to upar diye gaye calculator me amount dal kar monthly income check kar sakte hain.
Bipin Kumar is the founder of NagrikDesk, a platform that simplifies government schemes with clear, step-by-step guides on eligibility, benefits, and application processes for Indian users.
