Post Office Monthly Income Scheme 2025: POMIS Interest Rates & Features

POMIS, which is also known as the Post Office Monthly Income Scheme 2025, is one of the highest-earning and most profitable post office monthly investment schemes for 2025. This scheme is also recognized and approved under the ministry of finance in India and gives a high interest rate of up to 6.6%. Once an individual opens their POMIS account, they are allowed to do minimum investments based on their interest and how they can afford it. Opening a POMIS allows a minimum investment of 1,500 rupees from the start. This savings plan under the post office for 2025 is fully backed by the government of India and offers a good monthly income to all its investors. Check the complete Post Office Monthly Income Scheme Eligibility Criteria 2025 to see if you can open account or not.

From April 2025 onwards, the POMIS Interest Rates 2025 of 7.4% for all its investors with a fixed monthly income is promised. The POMIS was introduced with a maximum maturity period of 5 years with current interest rates starting from 7.40% from this year, January 2025, onwards. This scheme can be held by a minimum of one person and a maximum of three people at a time. The maximum investment limit for a single individual is 9 lakhs at a time and 15 lakhs for a joint account with up to three people maximum.

Post Office Monthly Income Scheme 2025

The Post Office Monthly Income Scheme 2025 comes with an interest rate of 7.4% from January 2025 onwards with different investment schemes on a monthly income basis. All investors can open a single or joint account starting with a minimum of 1000 rupees and a 15 lakh upper limit. Those who want to apply for the POMIS need to first open a savings account in the post office and then collect their POMIS application form from their nearest office. To open the account, one may need ID proof, photographs and residency proof. For more information related to the investments and savings income, you can directly contact your nearest post office and open your POMIS. 

POMIS Interest Rates 2025

Post Office Monthly Income Scheme Eligibility Criteria 2025

Check the Post Office Monthly Income Scheme Eligibility Criteria 2025 through these points.

• This scheme is for any legal resident and citizen of India and they must be over 18 years old.
• A legal guardian or birth parent of the child can also open a POMIS for this child/minor if they are over the age of 10. However, in such cases the child is only eligible to access the money after the age of 18. 
• You can open a single account or up to three adults can open a joint account. 

How To Open POMIS Account 2025

You can Open POMIS Account 2025 using the instructions below.

• Upon being eligible, visit your nearest post office and take an application form, fill out your form and submit it along with the following documents.
• For verification you will be needing your ID and a PAN/Aadhaar, address proof, nominee details, photographs, etc.
• Deposit the initial amount, which is 1,000 rupees or more, depending on your investment plan.
• The post office will verify your documents and process the opening of your POMIS account. 
• Once the account is created, you will receive your passbook with details of your investment, amount, interest and time period of maturity. 

FAQs On Post Office Monthly Income Scheme 2025