Are you looking for a safe, guaranteed monthly income option in 2025? The MIS Scheme in Post Office 2025 is one of the most reliable choices for investors who want to secure a steady income stream without risking their capital. By investing only ₹9 lakh, you can earn ₹5,550 every month, making it ideal for retirees, salaried individuals, and anyone seeking financial stability.
In this article, we’ll break down how the Post Office Monthly Income Scheme (POMIS) works, who can benefit from it, how much you can earn, and how you can open an account step-by-step. We’ll also include official sources, FAQs, and expert tips to make everything crystal clear.
MIS Scheme In Post Office 2025
| Feature | Details |
|---|---|
| Scheme Name | Post Office Monthly Income Scheme (POMIS) |
| Interest Rate (2025) | 7.4% per annum (payable monthly) |
| Maximum Investment (Single Account) | ₹9 lakh |
| Maximum Investment (Joint Account) | ₹15 lakh |
| Monthly Income on ₹9 lakh Investment | ₹5,550 |
| Tenure | 5 years |
| Premature Withdrawal | Allowed after 1 year with a penalty |
| Eligibility | Resident Indians, minors aged 10+, individuals and joint accounts |
| Tax Benefit | Interest income taxable; No TDS deducted |
| Official Website | India Post |
The MIS Scheme in Post Office 2025 is an excellent choice for anyone seeking stable, risk-free, and assured monthly income. With a 7.4% interest rate, investing ₹9 lakh will earn you a dependable ₹5,550 per month, perfect for retirees, conservative investors, or anyone who wants a predictable income without worrying about market volatility.
What is the Post Office MIS Scheme 2025?
The Post Office Monthly Income Scheme (POMIS) is a government-backed savings scheme offered by India Post. It provides a fixed, guaranteed monthly income based on the interest earned from your one-time deposit. The scheme is safe, secure, and ideal for risk-averse investors.
In 2025, the interest rate on POMIS stands at 7.4% per annum, payable monthly. This rate is reviewed quarterly by the Ministry of Finance, but it is generally more stable than bank fixed deposits.
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How Does the MIS Scheme Work?
Let’s understand it with an example:
- You invest ₹9 lakh in a single account.
- Annual interest = ₹9,00,000 × 7.4% = ₹66,600.
- Monthly income = ₹66,600 ÷ 12 = ₹5,550 per month.
This amount is credited directly to your savings account linked with the post office every month.
For a joint account (up to 3 adults), the maximum investment allowed is ₹15 lakh, which can fetch you a monthly income of ₹9,250 at the current rate.
Who Should Consider Investing in MIS?
The scheme is particularly suitable for:
- Senior Citizens: Looking for steady post-retirement income.
- Conservative Investors: Who prefer guaranteed returns over market-linked products.
- Parents/Guardians: Opening accounts for minors to build future savings.
- Professionals and Salaried Individuals: Looking to diversify safe investments.
Features & Benefits of Post Office MIS 2025
1. Fixed & Stable Returns
Unlike stock markets or mutual funds, the returns from POMIS are fixed and not affected by market fluctuations.
2. Government-Backed Security
Since it is a Government of India scheme, your principal amount is fully secure.
3. Flexible Account Types
You can open:
- A Single Account (max limit: ₹9 lakh)
- A Joint Account (max limit: ₹15 lakh)
- An account on behalf of a minor child
4. Transferability
You can easily transfer your POMIS account from one post office to another anywhere in India.
5. Nomination Facility
The scheme allows you to nominate a beneficiary, ensuring peace of mind in case of unforeseen events.
How to Open a Post Office MIS Account
Here’s how you can invest in the MIS Scheme in Post Office 2025:
Step 1: Visit Your Nearest Post Office
Go to the post office where you already have or can open a savings account.
Step 2: Fill Out the Application Form
Collect and complete the POMIS application form available at the post office or download it from the India Post official website.
Step 3: Submit KYC Documents
Provide:
- Identity Proof (Aadhaar, PAN, Voter ID, etc.)
- Address Proof
- Passport-size photographs
Step 4: Make the Investment
Deposit the amount via cheque, demand draft, or cash (subject to post office cash handling limits). Minimum deposit: ₹1,000.
Step 5: Account Opening
Your account will be opened, and monthly interest will start accruing from the date of deposit.
What Happens After 5 Years?
Once the 5-year tenure ends:
- You can withdraw the principal amount.
- Or, you can reinvest in the same or any other Post Office scheme.
Note: If you withdraw before completing 1 year, no interest is paid. After 1 year but before 3 years, a 2% penalty applies. After 3 years, the penalty is reduced to 1%.
Taxation on Post Office MIS
- Interest earned is taxable under “Income from Other Sources.”
- No TDS (Tax Deducted at Source) is deducted, but you must declare it in your Income Tax Returns.
- No Section 80C benefit is available on the deposit amount.
see also: Better Returns with Less Risk: This Post Office Scheme Offers Guaranteed Returns
MIS Scheme In Post Office 2025 FAQs
Q1. What is the current interest rate on the Post Office MIS Scheme 2025?
The current interest rate is 7.4% per annum, payable monthly.
Q2. Can NRIs invest in the MIS scheme?
No. Only Resident Indians are eligible to open a POMIS account.
Q3. What happens if I withdraw early?
- Before 1 year: No interest.
- 1 to 3 years: 2% penalty.
- 3 to 5 years: 1% penalty.
Q4. Is the income from POMIS taxable?
Yes, the interest is fully taxable, but no TDS is deducted.
Q5. Can I open more than one MIS account?
Yes, but the total deposits across all accounts should not exceed ₹9 lakh (Single) or ₹15 lakh (Joint).
