Post Office Monthly Income Scheme Calculator
Calculate monthly income from POMIS investment with detailed breakdown and tax implications for optimal planning.
Investment Details
Min: ₹1,000, Max: ₹9L (Single) / ₹15L (Joint)
Current rate: 7.4% (Updated quarterly)
POMIS Key Features
- • Fixed 5-year tenure
- • Monthly interest payments
- • Government-backed security
- • Premature withdrawal allowed with penalty
- • Interest income is taxable
POMIS Income Summary
Monthly Income
INR 9,250
Yearly Income
INR 1,11,000
Total Returns
INR 5,55,000
Maturity Value
INR 20,55,000
TDS of 10% will be deducted on monthly income
Investment Breakdown
Monthly Income Timeline
Monthly income remains constant throughout 5-year tenure
Year-wise Income Breakdown
| Year | Monthly Income | Yearly Income | Cumulative Income | Principal Status |
|---|---|---|---|---|
| 1 | INR 9,250 | INR 1,11,000 | INR 1,11,000 | Invested |
| 2 | INR 9,250 | INR 1,11,000 | INR 2,22,000 | Invested |
| 3 | INR 9,250 | INR 1,11,000 | INR 3,33,000 | Invested |
| 4 | INR 9,250 | INR 1,11,000 | INR 4,44,000 | Invested |
| 5 | INR 9,250 | INR 1,11,000 | INR 5,55,000 | Returned |
Scheme Comparison
| Scheme | Interest Rate | Monthly Income | Maturity Amount | Tenure |
|---|---|---|---|---|
| POMIS | 7.4% | INR 9,250 | INR 20,55,000 | 5 years |
| SCSS | 8.2% | INR 10,250 | INR 21,15,000 | 5 years |
| NSC | 6.8% | N/A | INR 20,84,239 | 5 years |
*Comparison based on ₹15.0L investment
Download Results
Download saves a text file with all your calculation results
Generate Stable Monthly Income with Government-Backed Investments
Based on your POMIS returns, explore low-risk investment options that can help generate predictable monthly income and preserve capital safely.
Government-backed savings schemes are popular for stable returns and lower investment risk.
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Understanding Post Office Monthly Income Scheme (POMIS)
The Post Office Monthly Income Scheme (POMIS) is a government-backed savings scheme designed for investors seeking stable and predictable monthly income. It is especially popular among retirees, conservative investors, and individuals looking for low-risk investment options.
Under this scheme, investors deposit a lump sum amount for a fixed tenure and receive monthly interest payouts at a predetermined interest rate. Since the scheme is backed by the Government of India, it offers high capital safety compared to market-linked investments.
POMIS is suitable for investors who prioritize regular cash flow over aggressive wealth creation. It can help support retirement income, supplement salary income, or provide stable returns during volatile market conditions.
Benefits of Investing in POMIS
One of the biggest advantages of POMIS is guaranteed monthly income. Unlike equity investments where returns fluctuate, POMIS provides fixed returns that help investors plan expenses more efficiently.
The scheme is ideal for risk-averse individuals who want predictable income without exposing their capital to stock market volatility. It also offers flexible investment limits for individual and joint accounts, making it suitable for families and senior citizens.
Investors should also compare POMIS with fixed deposits, recurring deposits, senior citizen savings schemes, and debt mutual funds to choose the right balance between returns, liquidity, taxation, and safety.
Smart POMIS Investment Strategies
POMIS works best as part of a diversified income portfolio rather than as your only investment. Many investors combine POMIS with fixed deposits, senior citizen savings schemes, and debt funds to create multiple income sources with balanced liquidity and risk.
If your goal is regular monthly cash flow, consider reinvesting unused monthly payouts into SIPs or recurring deposits to improve long-term wealth creation while maintaining stable income. This strategy can help combat inflation over time.
Before investing, compare interest rates, taxation rules, lock-in periods, and liquidity needs. Conservative investors may prioritize safety, while long-term investors may combine POMIS with growth-oriented investments for better overall portfolio performance.
POMIS FAQs
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