What is the maximum investment limit for Post Office MIS in 2026?

The maximum deposit limit for a single individual account is ₹9,00,000. For joint accounts held by up to three adults, the aggregate limit is ₹15,00,000, with all joint holders having equal share.

How much monthly income does ₹15 Lakh in a joint POMIS account earn?

At the current sovereign rate of 7.40% p.a., depositing the maximum joint limit of ₹15,00,000 generates ₹9,250 every month (₹1,11,000 per year), totaling ₹5,55,000 in guaranteed interest across the 5-year tenure.

What are the rules and penalties for premature withdrawal in POMIS?

No withdrawal is permitted within the first 1 year. Between 1 and 3 years, an amount equal to 2% of the principal deposit is deducted as penalty. Between 3 and 5 years, 1% of the principal is deducted.

India Post National Savings Monthly Cashflow Rate: 7.4% p.a. हिन्दी: डाकघर मासिक आय योजना தமிழ்: மாத வருமான திட்டம்

Post Office Monthly Income Scheme (POMIS) Calculator

Q: Post Office MIS me 5 lakh jama karne par har mahine kitna milega?

Post Office Monthly Income Scheme (POMIS) me 7.40% interest rate par ₹5,00,000 jama karne par aapko har mahine ₹3,083 ka guaranteed monthly interest payout milta hai (saal ke ₹37,000). 5 saal baad aapka poora ₹5 lakh wapas mil jata hai.

Q: Post office monthly income yojana me kitna paisa jama kar sakte hain?

POMIS me single account holder maximum ₹9,00,000 jama kar sakte hain jisme har mahine ₹5,550 milte hain. Joint account (3 logo tak) me maximum ₹15,00,000 jama ho sakte hain jisme har mahine ₹9,250 ka fixed monthly pension milta hai.

Calculate regular monthly interest credited directly to your post office savings account with 100% sovereign protection. (Also searched as डाकघर मासिक आय योजना (Masik Aay Yojana) and தபால் நிலைய மாத வருமான திட்டம்).

MIS Deposit Parameters

Account Holding Type

Single (Max ₹9L) Joint (Max ₹15L)

Investment Deposit ₹9,00,000

₹

Min: ₹1,000 Max: ₹9 Lakh

Quick Deposit Presets:

Fixed Interest Rate: 7.40% p.a. (Monthly Payout)

Lock-in Duration: 5 Years (60 Months)

Taxability: Taxable at Slab (No 80C)

Principal Safety: 100% Sovereign Guarantee

Guaranteed Monthly Cashflow

₹5,550 / month

Annual Income

₹66,600

5-Yr Total Interest

₹3,33,000

Principal Returned

₹9,00,000

Senior Citizen Monthly Budget Simulator

See how much typical monthly post-retirement living expenses your POMIS interest payout covers:

Medicines (₹3,000)

185% Covered

Groceries (₹6,000)

92% Covered

Utilities (₹4,000)

138% Covered

Sovereign Pension Arbitrage

SCSS (8.20%) vs POMIS (7.40%) Dual Pension Engine

+80 bps Sovereign Yield Spread

Deciding between India Post's two flagship retirement schemes: Senior Citizens Savings Scheme (SCSS @ 8.20%) pays interest quarterly, whereas Post Office MIS (@ 7.40%) pays smooth monthly income. Both carry 100% sovereign government guarantees.

Retiree Tax Bracket

Age 60+ (Sec 80TTB Shield)

POMIS Monthly Payout:

₹5,550

7.40% Monthly Regular

SCSS Quarterly Payout:

₹18,450

₹6,150/mo equivalent

Monthly Income Edge:

+₹600 / mo

+10.8% More Yield

5-Yr Total Net Surplus:

+₹36,000

Extra interest in hand

Hybrid Strategy: Many Indian retirees combine both—investing in POMIS for calendar day 1 monthly utility expenses, and SCSS up to ₹30 Lakh to maximize the 8.20% rate and Section 80C deduction!

Monthly Income Arbitrage

POMIS (7.40%) vs Bank FD Monthly Payout & TDS Simulator

100% Sovereign vs ₹5L DICGC

Compare Post Office MIS (7.40% fixed, 0% TDS at source, sovereign guarantee) against Bank FD Monthly Payout Schemes (subject to 10% Section 194A TDS liquidity drag and ₹5 Lakh DICGC limit).

Bank FD Rate (% p.a.)

Tax Bracket

Age 60+ (Senior)

Form 15G / 15H

POMIS In-Hand / Mo:

₹5,550

0% TDS at Source

Bank FD In-Hand / Mo:

₹4,725

After 10% TDS

Monthly In-Hand Spread:

+₹825 / mo

₹525/mo TDS drag saved

5-Yr Net Interest Surplus:

+₹19,200

Post-tax realized alpha

POMIS Advantage: India Post deducts zero TDS at source and offers 100% sovereign backing, giving you full in-hand liquidity every calendar month.

Capital vs 5-Year Cumulative Interest Earned

Premature Encashment Penalty Schedule

Withdrawal Horizon	Penalty Rule	Estimated Refund on Current Deposit
Before 1 Year (0 - 12 Months)	Not Permitted	No withdrawal allowed
Between 1 and 3 Years (13 - 36 Months)	2% of Principal Deducted	₹8,82,000 (-₹18,000)
Between 3 and 5 Years (37 - 60 Months)	1% of Principal Deducted	₹8,91,000 (-₹9,000)
At 5-Year Maturity	0% Penalty	100% Principal Returned

Post Office MIS (POMIS) — अक्सर पूछे जाने वाले सवाल (Hinglish FAQs)

Post Office MIS me 5 lakh jama karne par har mahine kitna milega?

POMIS me 7.40% annual interest par ₹5,00,000 jama karne par aapko har mahine ₹3,083 ka fixed interest account me credit hota hai. Saal me kul ₹37,000 milte hain aur 5 saal baad aapka poora ₹5 lakh wapas mil jata hai.

Post office monthly income yojana me kitna paisa jama kar sakte hain?

Single account me maximum ₹9,00,000 jama kiye ja sakte hain (pension: ₹5,550/mahina). Agar husband-wife milkar joint account kholte hain toh maximum ₹15,00,000 jama kar sakte hain (pension: ₹9,250/mahina).

What is the lock-in period and premature withdrawal penalty?

POMIS account ka lock-in period 5 saal hota hai. 1 saal se pehle withdrawal nahi ho sakta. 1 se 3 saal ke beech band karne par 2% penalty aur 3 se 5 saal ke beech 1% penalty kaati jaati hai.