Looking for a safe and reliable way to earn monthly income in 2025? The Post Office Monthly Income Scheme (POMIS) is a government-backed investment option that allows you to earn up to ₹22,222/month by investing ₹5,55,555—without any market risk.
In this post, we’ll explain:
- What POMIS is
- How it works
- How you can maximize your monthly income
- Who’s eligible
- And how to get started today
What Is the Post Office Monthly Income Scheme (POMIS)?
The Post Office Monthly Income Scheme (POMIS) is a savings plan by India Post that offers:
- Fixed monthly returns
- Full capital safety
- A lock-in period of 5 years
It’s perfect for retirees, homemakers, and conservative investors who want guaranteed monthly income without any stress or market volatility.
How ₹5.55 Lakh Becomes ₹22,222/Month
As of 2025, the POMIS interest rate is around 7.2% per annum, paid monthly.
Breakdown:
- Investment: ₹5,55,555
- Annual Interest: ~₹39,999
- Monthly Payout: ~₹3,333
But here’s the smart part:
If you open multiple POMIS accounts—in joint names with family—you can scale up your monthly income to ₹22,222 or even more.
Example:
- Max investment per single account: ₹4.5 lakh
- Max investment per joint account: ₹9 lakh
Distribute your ₹5.55 lakh investment smartly between accounts, and your combined monthly income grows significantly.
Key Features of POMIS (2025)
| Feature | Details |
|---|---|
| Interest Rate | ~7.2% per annum |
| Tenure | 5 years |
| Min Investment | ₹1,000 |
| Max Investment | ₹4.5 lakh (single) / ₹9 lakh (joint) |
| Interest Payout | Monthly (credited to PO savings) |
| TDS | No TDS, but taxable as income |
Who Can Apply?
Eligibility Criteria:
- Must be a resident Indian
- NRIs are not eligible
- Minimum age: 10 years (minor accounts allowed through guardian)
- Joint accounts: Up to 3 adults
Best suited for:
- Retired individuals looking for steady income
- Homemakers or unemployed individuals
- Parents saving for children’s future
- Anyone seeking low-risk, fixed-income investments
How to Apply for POMIS in 2025
Getting started is easy:
- Visit your nearest Post Office
- Ask for Form A (POMIS application)
- Submit the following:
- PAN card
- Aadhaar card
- Passport-size photograph
- Open a Post Office savings account
- Deposit your amount via:
- Cash
- Cheque
- Online transfer (where available)
Can You Exit Early?
Yes, but early withdrawal comes with a small penalty:
- After 1 year but before 3 years: 2% penalty on principal
- After 3 years: 1% penalty
For best results, stay invested for the full 5 years.
Benefits of POMIS
- Government-backed and secure
- Fixed monthly income
- No market fluctuations
- Easy to open and manage
- Ideal for monthly budgeting
Final Thoughts
In today’s unpredictable financial landscape, the Post Office Monthly Income Scheme offers a stable, secure, and consistent way to earn.
If you have ₹5.55 lakh to invest, planning it wisely across multiple accounts could bring in ₹22,222 every month, helping you meet expenses or save more—all without touching the stock market.
Whether you’re planning for retirement, household expenses, or a second income, POMIS is a powerful, peace-of-mind investment for 2025 and beyond.