Post Office Monthly Income Scheme – MIS Interest Rate 2025
Post Office Monthly Income Scheme (POMIS) 2025 – Interest Rate, Benefits & Investment Details
The Post Office Monthly Income Scheme (POMIS) is one of the most trusted small savings schemes in India, designed for individuals seeking a safe investment option with guaranteed monthly returns. It is operated by India Post under the Ministry of Communications, Government of India.
- Post Office Monthly Income Scheme (POMIS) 2025 – Interest Rate, Benefits & Investment Details
- 🔹 Post Office MIS Interest Rate 2025
- 🔹 Key Features of Post Office Monthly Income Scheme 2025
- 🔹 Eligibility Criteria
- 🔹 Documents Required
- 🔹 How to Open a Post Office MIS Account
- 🔹 Benefits of Post Office Monthly Income Scheme
- 🔹 Premature Withdrawal Rules
- Post Office Monthly Income Scheme Interest Rate 2025 and History
- Early Withdrawal Penalty Rules for the Post Office Monthly Income Scheme
- Post Office Monthly Income Scheme vs Other Post Office Savings Schemes
The scheme is ideal for retirees, homemakers, and individuals looking for stable monthly income without taking market risks.
🔹 Post Office MIS Interest Rate 2025
For the January–March 2025 quarter, the Post Office Monthly Income Scheme interest rate is 7.4% per annum.
This interest rate is revised quarterly by the Ministry of Finance, in line with other government-backed savings schemes.
Example:
If you invest ₹9 lakh (maximum limit for a joint account), you will earn ₹5,550 per month as interest.
🔹 Key Features of Post Office Monthly Income Scheme 2025
- Interest Rate (2025): 7.4% per annum
- Tenure: 5 years
- Minimum Investment: ₹1,000
- Maximum Investment: ₹9 lakh (single account) and ₹15 lakh (joint account)
- Guaranteed Returns: Fixed monthly interest credited directly to your account
- Transferable Account: Can be transferred between post offices across India
- Nomination Facility: Available for all account holders
- Reinvestment Option: Amount can be reinvested after maturity in other small savings schemes like PPF or NSC
🔹 Eligibility Criteria
- Must be a resident Indian.
- Individuals above 10 years of age can open an account.
- Joint accounts can be opened by up to three adults.
- NRIs and HUFs are not eligible for this scheme.
🔹 Documents Required
- Aadhaar Card (mandatory)
- PAN Card
- Passport-size Photographs
- Address Proof (Voter ID / Utility Bill)
- Duly filled Post Office MIS application form
🔹 How to Open a Post Office MIS Account
- Visit your nearest India Post Office branch.
- Ask for the Post Office MIS Application Form.
- Fill in details such as name, address, and nominee.
- Submit required documents (KYC, Aadhaar, PAN).
- Deposit your investment amount (cash or cheque).
- Collect your passbook as proof of investment.
🔹 Benefits of Post Office Monthly Income Scheme
- Safe and Government-backed: 100% risk-free investment.
- Steady Monthly Income: Ideal for retirees and low-risk investors.
- Tax Advantage: Interest is taxable, but principal amount is safe.
- No Market Risk: Returns are not affected by market fluctuations.
- Flexible Joint Holding: Can be held singly or jointly.
🔹 Premature Withdrawal Rules
- Allowed after 1 year with a small penalty.
- Before 3 years: 2% of the deposit amount is deducted.
- After 3 years: 1% deduction applies.
Post Office Monthly Income Scheme Interest Rate 2025 and History
Below are the MIS Post Office Interest Rate 2025 and the Post Office Monthly Income Scheme Interest Rate before that:
| Period | Post Office MIS Interest Rate (Annual) |
| 1st January 2025 onwards | 7.4% (Post Office MIS Interest Rate Current) |
| 1st April 2024 – 30th June 2024 | 7.4% |
| 1st January 2024 – 31st March 2024 | 7.4% |
| 1st October 2023 – 31st December 2023 | 7.4% |
| 1st July-31st September 2023 | 7.4% |
| 1st April 2023 – 30th June 2023 | 7.4% |
| 1st January 2023 – 31st March 2023 | 7.1% |
| 1st October 2022 – 31st December 2022 | 6.7% |
| 1st April 2021 – 30th September 2022 | 6.6% |
| 1st January 2018 – 30th June 2018 | 7.3% |
| 1st July 2017 – 31st December 2017 | 7.5% |
| 1st April 2017 – 30th June 2017 | 7.6% |
Interest Rates as of April 2025
Early Withdrawal Penalty Rules for the Post Office Monthly Income Scheme
Premature withdrawal is allowed only after 1 year of account opening:
- Before 1 year: Not permitted
- 1 to 3 years: 2% penalty on principal
- 3 to 5 years: 1% penalty on principal
Post Office Monthly Income Scheme vs Other Post Office Savings Schemes
| Savings Scheme | Rate of Interest | TDS |
| Post Office Monthly Income Scheme | 7.4% | No TDS is deducted |
| Post Office Recurring Deposit | 6.7% | No TDS is deducted |
| Post Office Time Deposit | 6.9%-7.5% | No TDS is deducted |
| National Savings Certificate | 7.7% | TDS is deducted |
| Senior Citizen Saving Scheme | 8.2% | TDS is deducted |
| Public Provident Fund | 7.1% | TDS is deducted |
Conclusion
The Post Office Monthly Income Scheme (POMIS) 2025 is a secure and reliable investment option offering guaranteed monthly income at 7.4% interest rate. It’s ideal for individuals who prioritize safety, consistent returns, and government assurance over high-risk investments.
By investing in POMIS, you can ensure a steady monthly cash flow — perfect for senior citizens, homemakers, or anyone looking for financial stability.
FAQ:
🟢 1. What is the Post Office Monthly Income Scheme (POMIS)?
The Post Office Monthly Income Scheme (POMIS) is a government-backed savings plan that offers a fixed monthly return at a set interest rate. It is ideal for individuals seeking secure, risk-free, and regular income every month.
🟢 2. What is the current interest rate for POMIS in 2025?
For the January–March 2025 quarter, the Post Office MIS interest rate is 7.4% per annum, payable monthly. The rate is subject to revision every quarter by the Ministry of Finance.
🟢 3. Who can open a POMIS account?
Any resident Indian aged 10 years or above can open a POMIS account. Joint accounts can also be opened by up to three adults. However, NRIs and HUFs are not eligible to invest in this scheme.
🟢 4. What is the maximum amount I can invest in POMIS?
You can invest up to ₹9 lakh in a single account or ₹15 lakh in a joint account. The minimum investment required is ₹1,000.
🟢 5. Can I withdraw my money before the 5-year maturity period?
Yes, premature withdrawal is allowed after 1 year of account opening.
- If withdrawn before 3 years, a 2% penalty is charged.
- If withdrawn after 3 years, the penalty is 1% of the deposit amount.
Bonus Tip 💡:
After the 5-year maturity, you can reinvest the matured amount in other post office schemes like National Savings Certificate (NSC) or Senior Citizen Savings Scheme (SCSS) for continued benefits.
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