The Post Office Monthly Income Scheme (POMIS) has long been a favorite for risk-averse investors looking for guaranteed and stable monthly returns. With the launch of MIS 2025, claims are circulating that an investment of ₹9 lakh can yield a monthly return as high as ₹18,350. But does this actually match the official interest rate and payout structure?
Post Office MIS 2025
| Feature | Details |
|---|---|
| Scheme Name | Post Office Monthly Income Scheme (POMIS) 2025 |
| Interest Rate (2025) | 7.4% per annum (as of April 2025) |
| Maximum Investment | ₹9 lakh (individual), ₹15 lakh (joint account) |
| Monthly Income on ₹9 Lakh Investment | ₹5,550 (Not ₹18,350 as claimed in some viral reports) |
| Maturity Period | 5 years |
| Interest Payment Mode | Monthly payout to linked Post Office savings account |
| Official Source | India Post |
The Post Office MIS 2025 continues to be a trusted, low-risk option for those who seek a fixed monthly income. While rumors of earning ₹18,350 per month from a ₹9 lakh investment are false, the actual returns of ₹5,550/month still provide a reliable income stream—especially when compared to FDs and other conservative savings tools.
If you’re planning for retirement, managing household expenses, or simply want a dependable source of passive income, the Post Office Monthly Income Scheme remains one of the most accessible and trustworthy investments in India.
What Is the Post Office Monthly Income Scheme (POMIS)?
The Post Office MIS 2025 is a government-backed savings scheme designed to provide monthly interest income to investors. It is one of the most popular fixed-income investment options available through India Post and is especially favored by:
- Senior citizens
- Retired professionals
- Homemakers
- Risk-averse investors
The money you invest earns a fixed interest rate that is paid out every month to your linked savings account.
see also: Post Office FD Deposit ₹2,00,000 for 24 Months
Why Is POMIS 2025 in the News?
Recently, a claim went viral suggesting that with a ₹9 lakh investment in the 2025 MIS, investors would earn ₹18,350 every month. While the scheme is indeed attractive, this claim is misleading. Let’s break it down with actual data.
How Much Do You Actually Get from ₹9 Lakh Investment in MIS 2025?
The official interest rate for POMIS in April–June 2025 is 7.4% per annum. This interest is distributed monthly.
Here’s the Real Math:
- Annual Interest = ₹9,00,000 × 7.4% = ₹66,600
- Monthly Income = ₹66,600 ÷ 12 = ₹5,550/month
So, a claim of ₹18,350 per month would only be true if the interest rate were over 24.4%, which is completely unrealistic for a government-backed savings scheme.
Fact Check:
You will earn ₹5,550/month on a ₹9 lakh investment—not ₹18,350.
Features & Benefits of Post Office MIS 2025
1. Guaranteed Returns
Backed by the Government of India, the interest rate is revised quarterly but remains stable enough to provide predictable income.
2. Low Risk, High Safety
Unlike market-linked instruments, MIS does not fluctuate. You’re not exposed to stock market volatility or bond risks.
3. Monthly Interest Payout
Interest is credited every month into your linked Post Office Savings Account, making it ideal for regular income needs.
4. Flexible Account Types
- Single Account: Max investment ₹9 lakh
- Joint Account (up to 3 adults): Max investment ₹15 lakh
Monthly income on ₹15 lakh = ₹92,500 per annum = ₹7,708/month
5. Easy Liquidity (with Penalty)
- No withdrawal allowed before 1 year
- 1–3 years: 2% penalty on the principal
- 3–5 years: 1% penalty on the principal
Who Should Invest in POMIS 2025?
- Senior Citizens who need monthly cash flow
- Homemakers or non-working individuals seeking safe income
- Parents investing in the name of their minor children (through guardianship)
- Anyone who wants a safe alternative to volatile mutual funds or FDs
Step-by-Step Guide to Open a Post Office MIS Account
Step 1: Visit a Nearby Post Office
Walk into any India Post branch that offers savings schemes.
Step 2: Carry the Required Documents
- Aadhaar card (identity & address proof)
- PAN card
- Passport-size photographs
- KYC form (for new customers)
Step 3: Fill and Submit the Form
Get the POMIS application form, fill it out, and submit it along with KYC documents.
Step 4: Deposit Your Investment
You can deposit via cheque, demand draft, or cash (up to permissible limits).
Step 5: Link Savings Account
Ensure your Post Office savings account is linked for monthly credit of interest.
POMIS vs Other Investment Options (2025)
| Feature | POMIS | Bank FD (5 yrs) | Senior Citizen Saving Scheme (SCSS) |
|---|---|---|---|
| Interest Rate | 7.4% p.a. | ~6.5%–7% p.a. | 8.2% p.a. |
| Payout | Monthly | Quarterly/On maturity | Quarterly |
| Lock-in | 5 years | 5 years | 5 years |
| Premature Closure | Allowed with penalty | Allowed with penalty | Allowed with penalty |
| Tax Benefits | No | Under 80C (upto ₹1.5L) | Under 80C (upto ₹1.5L) |
Important Tips Before You Invest
- Link a valid Post Office Savings Account to ensure smooth interest payout.
- Start small if you’re unsure, and increase investment once you’re comfortable.
- Track quarterly rate updates via the official India Post website or circulars from the Ministry of Finance.
see also: Many Banks Including SBI, PNB, BOI Announce FD Interest Rate Cuts in April 2025
Frequently Asked Questions (FAQs)
1. Can I invest more than ₹9 lakh in MIS 2025?
Only in a joint account. For single accounts, ₹9 lakh is the cap. Joint accounts (up to 3 adults) can invest ₹15 lakh.
2. Is the interest from MIS taxable?
Yes. The monthly interest is fully taxable as per your income slab. However, TDS is not deducted at source.
3. Can I extend my MIS account after maturity?
No, but you can open a new MIS account after 5 years and reinvest the maturity amount.
4. Is it safe to invest in POMIS?
Yes, it is a 100% government-backed scheme, making it one of the safest investment options in India.
5. What happens if I withdraw before 5 years?
You will be charged a penalty:
- 2% if withdrawn between 1–3 years
- 1% if withdrawn between 3–5 years
