Post Office Launches MIS 2025- ₹9 Lakh Investment Gets ₹18,350 Every Month

If you want to pay a fixed income every month by investing your earnings somewhere safe, then India Post's new 'Post Office Monthly Income Scheme (POMIS) 2025' can prove to be a great option for you. Especially for senior citizens, housewives, retired employees or those looking for a low-risk option.

This government-backed scheme has now undergone several changes, making it more attractive than before. Best of all – now you can get an income of up to ₹18,350 every month if you invest up to ₹9 lakh at once.

Post Office MIS 2025: Highlights

• Safe and guaranteed monthly income
• Fixed term of 5 years
• Full capital secured with government guarantee
• Investment limit up to ₹4.5 lakh (single account) and ₹9 lakh (joint account).
• Current Interest Rate: 7.4% per annum (monthly payments)
• Available at all post offices in India

How will you get ₹18,350 every month on an investment of ₹9 lakh?

If you deposit a maximum of ₹9 lakh in a joint account, you will get 7.4% annual interest every month:

- ₹5,550 monthly interest -

Total interest of ₹3,99,600 in 5 years

- Quarterly payment option also available

 Who can invest?

• Any Indian citizen above 18 years
• For minors through guardians
• Joint account of one to three people

 Necessary Documents and Process

• Aadhaar Card, PAN Card and Address Proof
• Passport size photograph
• Take the MIS form from the post office and fill it
• Deposit by cash or check
• Passbook is issued immediately

MIS/Other Schemes – Which is better in comparison?

PlanInterest rateMonthly incomeDurationRisk level

Post Office MIS 7.4% Yes 5 years Very little

SBI FD 6.5% No 5 years Less

Senior Citizen FD 7.5% No 5 years Less

NSC 7.7% (Cycle Growth) No 5 years Very little

PPF 7.1% (Cycle Growth) No 15 years Very little

Debt Mutual Fund Variable No Flexible Medium

 

Note before investing:

 

• Interest will be taxed (as per income tax slab)
• Tax exemption under section 80C is not available
• Account can be If you want to pay a fixed income every month by investing your earnings somewhere safe, then India Post's new 'Post Office Monthly Income Scheme (POMIS) 2025' can prove to be a great option for you. Especially for senior citizens, housewives, retired employees or those looking for a low-risk option.closed after 1 year (with small penalty)
• No online facility – the entire process is offline