Post Office Monthly Income Scheme (POMIS)
Calculate guaranteed monthly income from Post Office savings
Monthly Income
Yearly Income Summary
| Year | Monthly Income | Annual Income |
|---|---|---|
| Year 1 | ₹ 5,550 | ₹ 66,600 |
| Year 2 | ₹ 5,550 | ₹ 66,600 |
| Year 3 | ₹ 5,550 | ₹ 66,600 |
| Year 4 | ₹ 5,550 | ₹ 66,600 |
| Year 5 | ₹ 5,550 | ₹ 66,600 |
| Total Interest (5 years) | ₹ 3,33,000 | |
| Principal + Interest | ₹ 12,33,000 | |
📌 POMIS Key Features
- Guaranteed monthly income
- Single: Max ₹9 lakh
- Joint: Max ₹15 lakh
- 5-year tenure
- Interest paid on 1st of each month
- No tax benefit on investment
- Interest is taxable
- Premature withdrawal after 1 year (with penalty)
- Can be linked to Post Office Savings Account
- Nomination facility available
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Frequently Asked Questions
Who is POMIS Calculator useful for?
POMIS Calculator is useful for users evaluating government-backed or regulated saving schemes for long-term planning.
Can scheme rules change over time?
Yes. Interest rates, eligibility rules, and deposit limits can change, so you should verify the latest official guidelines before investing.
Is this tool suitable for planning maturity value?
Yes. It is helpful for estimating maturity amount and understanding how the scheme can fit into your savings plan.
Should I verify final numbers from official sources?
Yes. Use official notifications, bank/post office documents, or scheme circulars for final decision-making.