Fixed income of ₹9,250 every month, that too without any risk! Know about this wonderful scheme of Post Office

Are you also looking for a scheme in which your money is 100% safe and you also get a fixed income every month sitting at home? If yes, then Post Office Monthly Income Scheme (POMIS) is made only for you. This is a government investment scheme, which is a boon especially for those who want a tension-free and guaranteed monthly income away from the ups and downs of the stock market.

For whom is it best?

This scheme is especially ideal for retired people, pensioners and women who want a fixed return every month on their savings. In this time of increasing economic uncertainty, this scheme gives you both financial security and peace of mind.

How much money, how much earning? understand the complete mathematics

Investing in this scheme is very easy and economical. You can start with just ₹1,000.

• Single Account: In this you can invest maximum up to ₹ 9 lakh.
  • Example: If you deposit ₹9 lakh in a single account, at the current annual interest rate of 7.4%, you will get a fixed income of ₹5,550 every month.
• Joint Account: In this you can invest maximum up to ₹ 15 lakh.
  • Example: If you deposit ₹15 lakh in a joint account, you will get a guaranteed income of ₹9,250 every month.

5 big and special things about the scheme

1. 5 Year Trust: The duration of this scheme is 5 years, that is, you will continue to get fixed interest every month for 5 years.
2. 100% Government Guarantee: This is a government scheme, so your money is completely safe. There is no danger of drowning.
3. No hidden charges: The best thing about this plan is that there are no hidden charges or charges in it.
4. Easy Process: You can easily open this account by visiting your nearest post office and submitting the necessary documents.
5. Withdrawal possible in case of emergency: Although it has a lock-in period of 5 years, but in case of any emergency, you can withdraw your money with certain conditions and minor deductions.

One thing to keep in mind

It is important to know that there is no tax exemption on the interest received from this scheme. That is, this interest is added to your annual income and you have to pay tax on it as per your income tax slab.

Overall, Post Office Monthly Income Plan is a great option for those who value security, stability and regular income the most. In 2025, where economic stability is a big concern, this scheme can be a great way to secure your future.