Last Updated: March 2026 | Interest Rate Verified from India Post

Post Office Monthly Income Scheme (POMIS) Kya Hai?

Agar aap ₹5 lakh invest karke har mahine guaranteed income chahte hain bina market risk ke, to Post Office Monthly Income Scheme (POMIS) 2026 aapke liye ek strong option ho sakta hai.

Post Office Monthly Income Scheme (POMIS) 2026 ek aisi Government-Backed Savings Scheme hai jise khas taur par unn logo ke liye banaya gaya hai jo har mahine kuchh fixed income generate karna chahate hain bina kisi market risk ke. Iss scheme ke tahat aapko ek lump-sum amount invest karna hota hai. Agar aap individually invest karna chahte hain to 9 Lakh tak aur agar apka joint account hai to 15 Lakh tak invest kar sakte hain.

Agar Simple term me samjhaye to –

• Aapko sirf ek baar paisa invest karna hai.
• Government uss par interest deti hai.
• Ye interest har mahine apko income ki tarah aapke bank account me deposite ho jata hai.

Post Office MIS 2026 scheme specially unlogo ke liye banayi gayi hai jo –

• Capital protection focused investment chahte hai
• Regular monthly income chahte hain
• Market me safe play karna chahte hai
• Koi risk nahi lena chahte hai
• Retirement planning kar rahe hain

Agar aap aur bhi government saving schemes dekhna chahte hain, to hamari Government Savings Schemes category check karein.

POMIS Interest Rate 2026

Government har quarter me Post Office Monthly Income scheme ke interest rate ko revise ya update karti rahti hai. Abhi agar current ki baat kare to Monthly Income Scheme ka interest rate 7.4% per annum chal raha hai. Ye rate quarterly revisions par changes hote rahte hain.

2026 ke liye Post Office MIS interest rate 7.4% per annum hai. Agar aap interest rate history aur government kaise rate decide karti hai yeh detail me samajhna chahte hain to yeh article padhein. : Post Office MIS Interest Rate 2026

Iss scheme me jo interest milta hai wo monthly basis par calculate hota hai aur sabse achhi baat ye hai ki ye interest directly aapke account me credit hota hai.

Interest Calculation Formula

POMIS ke andar jo interest milta hai uski calculation kuchh iss prakar hai

Interest = ( Investment * Interest Rate ) / 12

Isko example se samajhte hain:

Man lijiye ki agar aap Monthly Income Scheme me ₹5,00,000 invest karte hain aur abhi ka interest rate 7.4% mil raha hai to formula ke hisab se

Interest = ( 500000 * 7.4%) / 12

Interest = ( 37000 ) / 12 = ₹3, 083 approx per month

Matlab agar aapne ₹5,00,000 ka investment iss scheme ke tahat kiya to monthly aapke account me approx ₹3,083 credit honge.

Monthly Income In POMIS 2026 From ₹1 Lakh To ₹9 Lakh

Systematically samajhate hain ki aapke kitne investment par kitna monthly income milega:

Investment Amount	Monthly Income	Yearly Income
₹1,00,00	₹617	₹7,400
₹2,00,00	₹1,233	₹14,800
₹5,00,00	₹3,083	₹37,000
₹9,00,00	₹5,550	₹66,600

POMIS Monthly Income Calculator

Agar aap janana chahte hain ki aapke investment par har mahine kitna interest milega, to niche diye gaye POMIS calculator ka use karke easily calculate kar sakte hain.

Agar aap detaile me janana chahte hai ki apki investment par kitna monthly aur yearly return milega to padhe hamari detailed guide: Post Office MIS Scheme Monthly Income Calculator 2026

POMIS Scheme Ke Main Features & Benefits

Government Security

Post Office MIS scheme Government of India supported hai to isme kisi bhi prakar ke risk ki possibility almost zero hai. Aap free mind isme invest kar sakte hai bina kisi dar ke.

Fixed Monthly Income

POMIS scheme me apko sirf ek baar investment karna hota hai, jiske baad aapko fixed monthly income har mahine milti hai jo sidhe apke bank account me deposit hoti rahti hai.

Low Risk Investment

Monthly Income Scheme Government of India ke dwara layi gayi hai to isme risk ki possibility almost zero hai aur sath hi sath apko ye bata du ki ye stock market ya mutual funds ki tarah volatility nahi hoti.

5 Saal Ki Tenure

Post Office Monthly Income Scheme ki investment duration 5 years ki fixed hai. Matlab aapne ek baar investment kiya to wo 5 saal ke liye fixed ho jata hai. Inn 5 years tak aapko interest rate ke hisaab se monthly income aapke bank account me credit hoti rahegi. POMIS me aap agar investment karte hai to pahle 1 saal ke andar aap koi bhi withdrawal nahi kar sakte. aur agar kisi bhi emergency situation me aap 1 saal ke baad apna investment ko withdraw karna chahte hai to kuchh penalty charges ke baad aap apne investment ko withdraw kar sakate hain.

Joint Account Facility

POMIS me aap agar individual invest karna chahte hai to uski limit maximum 9 Lakh tak hi hai. Par agar aap iss amount se bhi jyada invest karna chahate hai to, iske Joint Account Facility ke tahat maximum 3 members mil kar account open kar sakte hain. Joint Family Account me investment ki limit 15 Lakh rupees hai.

Nomination Facility

Agar aapne Post Office Monthly Income (POMIS) scheme me investment kiya hai to aap isme nominee bhi add kar sakte hain.

POMIS 2026 Eligibility Criteria

MIS scheme account kholne ke liye:

• Indian resident hona zaroori hai
• Minimum age: 18 Years
• Minor ke naam par account unke gaurdian dwara khola ja sakta hai
• NRI investment allowed nahi hai

Important Note: Aap 10 years ya usase adhik age ke kisi minor ke naam par account open kar sakate hain. 18 saal ki age hone ke baad wo minor apna paisa withdrawal kar sakta hai. 18 years hone ke baad uss person ko apna account minor se major me convert karana jaruri hai.

POMIS Account Kaise Khole? (Step-by-Step)

Kisi bhi post office me MIS scheme account kholne ke 2 tarike hain:

Offline Process

• Apne nearest Post Office par jaye
• Waha par Post Office MIS application form milega. Usko lekar pura form fillup kare
• Form ke sath me jo bhi required documents hai unko submit kare
• Investment amount, jo aap invest karna chahte hai deposit kare
• Apka account activate ho jayega

Online Process ( CBS Enabled Post Office)

Online apply karne ke liye sabse pehle aapko kuchh points check karkne padenge:

CBS Enabled Post Office Account Hona Zaroori Hai

CBS ( Core Banking System ) enabled hone ka matlab:

• Aapka account nationwide accessible hai
• Internet banking support available hai
• Online transactions allowed hain

👉 Agar doubt ho to post office me puch sakte hain:
“Mera account CBS enabled hai kya?”

Post Office Internet Banking Activate Karna

Online investment ke liye Internet Banking mandatory hai.

Activation process:

1. Post Office Savings Account hona chahiye
2. Internet banking activation form fill karein
3. Aadhaar & mobile number linked hona chahiye
4. Login ID aur password generate hoga

Agar apaka Internet Banking activate ho gaya hai to aap use Post Office Personal Banking se access kar sakte hain.

Savings Account Ko Funding Account Banana

POMIS ka interest aur investment dono Post Office Savings Account se linked hote hain. Isliye:

• Investment amount savings account se debit hota hai
• Monthly interest isi account me credit hota hai

Matlab separate bank account ki zarurat nahi.

Online POMIS Investment Request

POMIS scheme me investment karne ke liye sabse pehle apne Internet Banking me login kar lijiye. Uske baad:

1. Login Kare

2. “General Services” ya “Scheme Services” section open karein

3. Post Office Schemes option select karein

4. MIS (Monthly Income Scheme) choose karein

5. Investment amount enter karein

6. Account select karein

7. Submit request

⚠ Kuch cases me final verification ke liye ek baar post office visit karna pad sakta hai.

Confirmation & Monthly Interest Credit

Account activate hone ke baad:

• MIS account generate ho jata hai
• Monthly interest automatic savings account me aata hai
• SMS alert milta hai

Important Note: Bahut log galat bolte hain ki POMIS fully online open ho jata hai par truth ye hai ki complete digital opening har post office me available nahi hai. First-time investors ko usually ek baar physical verification karna padta hai.

List Of Required Documents

POMIS account opening ke liye required documents ki list hai:

Proof Of Identity

Government ke dwara issue kiya gaya ID jaise ki Passport/ Aadhar/ Pan Card/ Voter ID card / Driving License.

Proof of Address

Government ke dwara issue kiya gaya ID – Passport/ Aadhar/ Pan Card/ Voter ID card / Driving License. Ya phir recent ka utility bill.

Photographs

Recent ki Passport size photographs.

Saving Account

Post office me saving account ka hona jaruri hai.

POMIS Investment Limits

POMIS 2026 me investment ke liye government ki taraf se kuchh rules apply kiye gaye hain jo ki kuchh iss prakar hai:

Account Type	Minimum Investment Amount	Maximum Investment Amount
Minor	₹1,000	₹ 3,00,000
Single	₹1,000	₹ 9,00,000
Joint	₹1,000	₹ 15,00,000

POMIS Lock-in Period & Premature Withdrawal Rules

POMIS scheme me investment 5 years ke lock-in period ke saath hota hai. Halanki aap pehle bhi withdrawal le sakte hain par kuchh conditions ke sath. Wo conditions hai:

• Aap jab bhi POMIS account open karte hai to uss date se 1 saal ke pehle tak premature withdrawal allowed nahi hai.

Account Closing Time	Withdrawal Allowed?	Penalty Deduction	Amount Returned
First 1st Year	Not Allowed	—–	Withdrawal possible nahi
1st to 3rd Year	Allowed	2% of Deposit	Balance amount depositer ko milega
After 3rd Year but Maturity se pehle	Allowed	1% of Deposit	Balance amount depositer ko milega

POMIS 2026 Taxation Rules

Sabse zyada log yahi galti karte hain ki unhe lagta hai POMIS ka interest tax-free hota hai.
Reality thodi different hai.

POMIS Ka Interest Fully Taxable Hai

Post Office Monthly Income Scheme se jo bhi monthly interest milta hai, wo aapki normal income ka hissa maana jata hai. Iska matlab:

• Ye “Income from Other Sources” category me aata hai
• Aapko ise apni Income Tax Return (ITR) me show karna padta hai

Section 80C Benefit Nahi Milta

Agar aap ₹5 lakh POMIS me invest karte ho, toh aapko us investment par Section 80C deduction nahi milega. Ye PPF ya ELSS jaisa tax-saving instrument nahi hai.

TDS Usually Deduct Nahi Hota

Post Office generally POMIS interest par TDS deduct nahi karta. Lekin iska matlab ye nahi hai ki tax dena nahi padega. Tax responsibility aapki khud ki hoti hai.

Example se samajhate hai:

Maan lo:

• Aapne ₹5,00,000 invest kiye
• Interest rate 7.4% hai
• Aapko yearly ₹37,000 interest mil raha hai

Ab maan lo aap 20% tax slab me ho.

To calculation:

₹37,000 × 20% = ₹7,400 tax liability

Matlab: Aapko apni ITR file karte waqt ₹7,400 tax pay karna padega (agar already adjust nahi hua hai).

Agar aap:

• 5% tax slab me ho → ₹37,000 × 5% = ₹1,850 tax
• 20% tax slab me ho → ₹37,000 × 20% = ₹7,400 tax
• 30% tax slab me ho → ₹37,000 × 30% = ₹11,100 tax

---

Real After-Tax Income (20% Slab Example)

Yearly interest: ₹37,000
Tax: ₹7,400
Net income: ₹29,600

Effective Return:

₹29,600 ÷ ₹5,00,000 = 5.92% approx

Matlab:

7.4% ka headline return actually 5.9% reh jata hai agar aap 20% slab me ho.

Important Point

Agar aap:

• 5% slab me ho → tax kam lagega
• 30% slab me ho → tax zyada lagega

Isliye POMIS ka real return aapke tax slab par depend karta hai.

POMIS vs Bank Fixed Deposit (FD)

Feature	Post Office Monthly Income Scheme (POMIS)	Bank FD
Safety	Govt Backed	Bank Dependent
Income	Monthly	Monthly/Quarterly
Risk	Very Low	Low
Tenure	5 Years	Flexible
Tax Benefit	No	Limited

Table se hame pata chal raha hai ki conservative investors ke liye POMIS best option hai.

Agar aap POMIS ko Bank FD se compare karna chahte hain to ye detailed guide padhein: POMIS vs Bank FD 2026: Kaunsa Investment Better Hai?

POMIS vs Senior Citizen Savings Scheme (SCSS)

Features	Post Office Monthly Income Scheme (POMIS)	Senior Citizen Savings Scheme (SCSS)
Target Users	Everyone	Senior Citizens
Tenure	5 Years	5 Years
Interest	Moderate	Higher
Tax Benefits	No	80C Available

POMIS Calculation (Example)

POMIS me income calculate karne ka formula hota hai

Income = ( Principal Amount * Interest Rate ) / 12

Agar koi ₹9 lakh invest karta hai:

₹9,00,000 × 7.4% = ₹66,600 yearly interest

Monthly income: ₹66,600 ÷ 12 = ₹5,550 per month

Aap aise hi apne investment ke according calculate kar sakte hain.

POMIS Maturity Ke Baad Kya Hota Hai?

5 saal complete hone par:

• Principal amount return ho jata hai
• Interest payment stop ho jati hai
• Investor reinvest kar sakta hai

Auto renewal nahi hota, manually reinvest karna padta hai.

POMIS Kis Ke Liye Best Hai?

Ye scheme ideal hai:

• Retired individuals
• Housewives seeking fixed income
• Low-risk investors
• Passive income seekers
• Salary ke sath extra income chahne wale log

Important Tips Before Investing

POMIS me invest karne se pehle kuchh important points:

• Interest rate quarterly change ho sakta hai
• Entire savings ek scheme me mat lagao
• Emergency fund ko hamesha alag rakhana chahiye
• Tax impact calculate karna bahut jaruri hai, jisase ki apko real income pata chalegi

Frequently Asked Questions (FAQ)

Conclusion

Post Office Monthly Income Scheme (POMIS) un investors ke liye ek strong option hai jo stable aur predictable monthly income chahte hain bina market risk ke. Ye scheme high returns nahi deti, lekin safety aur consistency provide karti hai, jo long-term financial stability ke liye important hai.

Agar aap safe passive income source dhoond rahe hain, to POMIS ek practical aur reliable investment option ho sakta hai.

Agar aap government schemes explore kar rahe hain, to employment aur job creation se related initiatives jaise Pradhan Mantri Viksit Bharat Rozgar Yojana (PMVBRY) bhi samajhna useful ho sakta hai.