Stax

حاسبة Post Office MIS

احسب الدخل الشهري من برنامج Post Office Monthly Income. 7.4% سنوياً، دفعة شهرية، مدعوم حكومياً.

5-year fixed tenure.

What is a POMIS calculator?

The Post Office MIS calculator computes the monthly interest payout, total 5-year interest, and principal returned at maturity for a Post Office Monthly Income Scheme deposit. Choose between single account (₹9 lakh cap) and joint account (₹15 lakh cap).

Who should use POMIS?

Retirees, parents wanting fixed monthly income, conservative investors who prioritize capital safety over returns. POMIS pairs well with SCSS (Senior Citizens Savings Scheme) and PPF for a diversified low-risk income portfolio. The 7.4% rate beats most savings accounts and many bank FDs.

POMIS vs senior citizen FD

Senior citizen bank FDs typically offer 7.5–8% — comparable or slightly higher than POMIS. Difference: bank FD pays interest at maturity (or quarterly), POMIS pays monthly. Choose POMIS if you need monthly cash flow; choose FD if you can wait. SCSS (8.2%) beats both for seniors who qualify (60+ or 55+ with VRS).

الأسئلة الشائعة

What is Post Office Monthly Income Scheme (POMIS)?
POMIS is a small savings scheme where you deposit a lump sum and receive a fixed monthly interest payout. Tenure is 5 years; principal is returned at maturity. Government-backed, very safe — popular with retirees needing predictable monthly income.
What is the current POMIS interest rate?
7.4% p.a. (FY 2025-26), paid monthly. The rate is set by the Ministry of Finance and revised quarterly. Once you open the account, your rate is locked for the full 5-year tenure regardless of subsequent changes.
What's the maximum I can invest in POMIS?
₹9 lakh in a single account, ₹15 lakh in a joint account. You can hold both — meaning a couple can park up to ₹15 lakh and earn ~₹9,250/month between them.
Is POMIS interest tax-free?
No. Monthly interest is added to your income and taxed at your slab rate. There's no TDS at source — you must self-declare in your ITR. POMIS doesn't qualify for Section 80C either, unlike PPF or NSC. The appeal is the income predictability, not tax savings.
Can I withdraw POMIS before 5 years?
Yes, but with penalties. Withdrawal between 1–3 years: 2% of principal deducted. Between 3–5 years: 1% deducted. No premature closure within first year. The penalty plus loss of remaining months' interest usually makes early closure unattractive.

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