Post Office MIS Calculator
Calculate your guaranteed monthly income from the Post Office Monthly Income Scheme (POMIS).
Educational Purpose Only: The POMIS interest rate is set by the Government of India and revised quarterly. Verify the current rate before investing.
How it works
The Post Office Monthly Income Scheme (POMIS) is a government-backed savings scheme that pays a fixed monthly interest income on a one-time lump-sum deposit. It is ideal for retirees and risk-averse investors who want a guaranteed, regular income without exposure to market fluctuations.
The deposit limit is ₹9 lakh for a single account and ₹15 lakh for a joint account. The scheme has a fixed 5-year tenure, after which the principal is fully returned. Interest is paid monthly directly to your linked savings account. The current interest rate is 7.4% per annum (subject to quarterly government review).
This calculator is for educational and illustrative purposes only. The POMIS interest rate is set by the Government of India and revised quarterly. Check the latest rate at your nearest post office or on the India Post website before investing.