Post Office MIS: How to Earn a Guaranteed ₹9,000 Monthly Income - Eligibility, Interest Rate & Investment Details
The Post Office Monthly Income Scheme ( POMIS ) has emerged as one of the most reliable savings options for individuals seeking assured monthly payouts. With government backing, low risk and steady interest earnings, the scheme is especially popular among retirees, salaried individuals and families looking for predictable returns. If you’re planning to secure a guaranteed ₹9,000 monthly income, here’s a complete guide on eligibility, interest rates, maturity rules and the investment amount required.
What Is the Post Office Monthly Income Scheme (POMIS)?
The Post Office Monthly Income Scheme is a small savings plan that provides fixed monthly interest to investors. Designed for long-term financial stability, POMIS is ideal for those who want assured returns without market-linked risks. Since it is supported by the Government of India, the scheme offers safety, reliable earnings and complete transparency.
Current Interest Rate in Post Office MIS
The POMIS interest rate is 7.4% per annum, making it one of the most attractive fixed-income options in the small savings category. The rate ensures stability and predictable monthly payouts throughout the five-year tenure, making it a preferred choice over many bank fixed deposits.
Eligibility Criteria for POMIS
To open a Post Office MIS account, you must meet the following conditions:
Minimum & Maximum Investment Limits
POMIS offers flexible investment options suitable for various income groups:
These limits allow individuals and families to plan stable monthly earnings effectively.
How Much to Invest to Earn ₹9,000 Per Month?
Your monthly income from POMIS depends on how much you deposit. Based on the current 7.4% interest rate, here’s what different investment amounts yield:
To receive a guaranteed monthly income of around ₹9,000, you need to invest close to the maximum limit of ₹15 lakh in a joint POMIS account. These payouts remain fixed for the entire five-year maturity period.
Why POMIS Is a Smart Choice for Guaranteed Monthly Income
The Post Office Monthly Income Scheme offers a blend of safety, predictable earnings and simplicity. With a competitive interest rate, flexible eligibility and dependable monthly payouts, it stands out as a trusted financial tool for long-term stability - especially for those who want to earn a steady ₹9,000 every month without market risks.
What Is the Post Office Monthly Income Scheme (POMIS)?
The Post Office Monthly Income Scheme is a small savings plan that provides fixed monthly interest to investors. Designed for long-term financial stability, POMIS is ideal for those who want assured returns without market-linked risks. Since it is supported by the Government of India, the scheme offers safety, reliable earnings and complete transparency.
Current Interest Rate in Post Office MIS
The POMIS interest rate is 7.4% per annum, making it one of the most attractive fixed-income options in the small savings category. The rate ensures stability and predictable monthly payouts throughout the five-year tenure, making it a preferred choice over many bank fixed deposits.
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Eligibility Criteria for POMIS
To open a Post Office MIS account, you must meet the following conditions:
- Any Indian resident aged 18 or above can open an account.
- Up to three adults can jointly hold an account.
- A guardian can invest on behalf of a minor or person of unsound mind.
- Minors aged 10 years or above may open an account independently.
Minimum & Maximum Investment Limits
POMIS offers flexible investment options suitable for various income groups:
- Minimum deposit: ₹1,000 (in multiples of ₹1,000 thereafter)
- Maximum limit for single account: ₹9 lakh
- Maximum limit for joint account: ₹15 lakh
These limits allow individuals and families to plan stable monthly earnings effectively.
How Much to Invest to Earn ₹9,000 Per Month?
Your monthly income from POMIS depends on how much you deposit. Based on the current 7.4% interest rate, here’s what different investment amounts yield:
- ₹5 lakh deposit → approx. ₹3,083 per month
- ₹9 lakh deposit → approx. ₹5,550 per month
- ₹15 lakh deposit → approx. ₹9,250 per month
To receive a guaranteed monthly income of around ₹9,000, you need to invest close to the maximum limit of ₹15 lakh in a joint POMIS account. These payouts remain fixed for the entire five-year maturity period.
Why POMIS Is a Smart Choice for Guaranteed Monthly Income
The Post Office Monthly Income Scheme offers a blend of safety, predictable earnings and simplicity. With a competitive interest rate, flexible eligibility and dependable monthly payouts, it stands out as a trusted financial tool for long-term stability - especially for those who want to earn a steady ₹9,000 every month without market risks.
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