Standard POMIS Calculator

Goal-Based Planning

Reinvestment Planner

Scheme Comparison

Post Office MIS Details

Account Type

Single Account

Joint Account

Minor Account

Single: Max ₹9L | Joint: Max ₹15L | Minor: Max ₹9L (separate limit)

Investment Amount (₹)

₹1K ₹9L

Minimum ₹1,000, Maximum varies by account type

Current Interest Rate (% p.a.)

6% 9%

Current POMIS rate: 7.4% p.a. (as of Jan 2025)

Investment Tenure

Standard tenure is 5 years. Early withdrawal has penalties.

Income Receipt Method

Manual Collection

Auto Transfer

Auto transfer to savings account via ECS or PDC

Advanced Options

Nomination facility required

Account transfer facility needed

Additional features for comprehensive planning

Your POMIS Investment Returns

Monthly Income

₹3,083

Total Investment

₹5,00,000

5-Year Income

₹1,85,000

Annual Tax Liability

₹11,100

Post-Tax Monthly Income

₹2,158

Maturity Amount

₹5,00,000

Popular Monthly Income Goals - POMIS Planning

See how much you need to invest for common monthly income requirements

Post Office Investment Schemes Comparison 2025

Compare POMIS with other Post Office investment options

Scheme	Interest Rate	Tenure	Min Investment	Max Investment	Tax Benefits	Best For
POMIS (MIS)	7.4% p.a.	5 Years	₹1,000	₹9L (Single), ₹15L (Joint)	No	Monthly Income
PPF	7.1% p.a.	15 Years	₹500	₹1.5L/year	Yes (80C)	Long-term Wealth
NSC	6.8% p.a.	5 Years	₹1,000	No Limit	Yes (80C)	Tax Saving
SCSS	8.2% p.a.	5 Years	₹1,000	₹30L	Yes (80C)	Senior Citizens
Post Office TD	6.9-7.5% p.a.	1-5 Years	₹1,000	No Limit	No	Short-term Goals
KVP	7.5% p.a.	9.5 Years	₹1,000	No Limit	No	Doubling Money
SSY	8.2% p.a.	21 Years	₹250	₹1.5L/year	Yes (80C)	Girl Child

*Interest rates as of January 2025. Rates are subject to quarterly revision by Government of India.

Your POMIS Income Schedule (Monthly Breakdown)

POMIS Investment Pro Tips

Perfect for retirees seeking steady monthly income
Government-backed security with 7.4% assured returns
No TDS deduction - full monthly income received
Joint accounts allow up to ₹15 lakh investment
Interest rates revised quarterly by Government
Premature withdrawal allowed after 1 year with penalty
Auto-transfer facility available to savings account
Nomination facility protects your investment
Account transferable across any Post Office
Tax on interest as per your income slab

Why This is India's Best Post Office MIS Calculator in 2025?

🎯 Goal-Based Reverse Planning

FIRST calculator in India with reverse planning - enter your required monthly income (₹5K, ₹10K, ₹20K) and get exact investment amount needed. Perfect for retirement and income planning.

🔄 Advanced Reinvestment Planner

Revolutionary reinvestment calculator shows corpus growth over multiple 5-year cycles. Plan income utilization vs reinvestment for maximum wealth building over 10-30 years.

📊 Comprehensive Account Analysis

Supports Single (₹9L limit), Joint (₹15L limit), and Minor accounts with separate calculations. Includes nomination and transfer facility planning missing in all other calculators.

💰 Complete Tax & Penalty Calculator

Advanced tax analysis based on income slabs with post-tax monthly income calculation. Penalty calculator for premature withdrawal (1-2% based on timing) - unique feature.

🏛️ Post Office Scheme Comparison

Compare POMIS with PPF, NSC, SCSS, KVP, SSY, and Post Office TD schemes. Side-by-side analysis of returns, tenure, tax benefits, and suitability.

📈 Interactive Visualizations

Three chart types: Investment Breakdown, Monthly Income Flow, and Tax Analysis. Real-time updates with slider changes for instant financial insights.

🎯 Popular Income Goal Cards

Pre-calculated investment requirements for common monthly income goals: ₹2K (basics), ₹5K (comfort), ₹10K (lifestyle), ₹20K (premium living). Instant goal clarity.

📅 Detailed Income Schedule

Year-wise and month-wise income breakdown with cumulative totals. Track your exact monthly income, annual tax liability, and post-tax earnings over 5 years.

⚡ Real-Time Rate Updates

Updated with latest January 2025 POMIS interest rate (7.4% p.a.) and quarterly revision tracking. Always reflects current government-announced rates.

🔧 Advanced Planning Features

Auto-transfer setup analysis, age-based retirement planning, multiple account management, and facility transfer calculations - comprehensive financial planning tools.

📱 Mobile-Optimized Interface

Responsive design with smooth sliders, intuitive mode switching, and fast calculations. Perfect for on-the-go retirement and income planning.

🏆 Government-Data Accuracy

Uses official Post Office formulas and limits. Accurate calculation of interest, penalties, account limits, and tax implications as per current government norms.

🥇 India's Most Advanced POMIS Calculator

With 12+ unique features including goal planning, reinvestment analysis, scheme comparisons, penalty calculations, and tax planning - this calculator provides the most comprehensive Post Office MIS analysis available online. Perfect for retirement planning and steady income generation.

Complete Guide to Post Office Monthly Income Scheme (POMIS) 2025

Post Office Monthly Income Scheme (POMIS) is a government-backed investment scheme that provides fixed monthly income for 5 years. With current interest rate of 7.4% p.a., it's ideal for retirees, senior citizens, and conservative investors seeking steady returns without market risk.

How is POMIS Interest Calculated?

POMIS uses simple interest calculation with monthly payouts. The formula is straightforward:

Monthly Income = (Investment Amount × Annual Interest Rate) ÷ 12

Example: ₹5,00,000 × 7.4% ÷ 12 = ₹3,083 per month
Total 5-year income = ₹3,083 × 60 months = ₹1,85,000
Principal returned at maturity = ₹5,00,000

POMIS Account Types and Limits 2025

Single Account: Maximum investment ₹9 lakh per individual
Joint Account: Maximum investment ₹15 lakh (2-3 holders)
Minor Account: Maximum ₹9 lakh (separate from adult limits)
Guardian Account: For minors below 10 years

Penalty Structure for Premature Withdrawal

No withdrawal allowed: First 12 months

1-3 years: 2% penalty on principal amount

3-5 years: 1% penalty on principal amount

After 5 years: No penalty, but no interest for extended period

Tax Implications of POMIS 2025

Monthly interest fully taxable as per income tax slab
No TDS deduction - full amount received monthly
No tax benefits under Section 80C (unlike PPF, NSC)
Interest must be declared in ITR under "Income from Other Sources"

POMIS vs Other Post Office Schemes

POMIS vs PPF: POMIS offers monthly income while PPF provides higher returns with 15-year lock-in and tax benefits.

POMIS vs SCSS: SCSS offers higher interest (8.2%) for senior citizens with quarterly payouts and tax benefits.

POMIS vs NSC: NSC provides tax benefits but no periodic income; suitable for tax-saving goals.

Smart POMIS Investment Strategies 2025

Laddering Strategy: Invest in multiple POMIS accounts with staggered maturity dates
Reinvestment Planning: Reinvest monthly income in other schemes for compounding
Joint Account Optimization: Use joint accounts to invest up to ₹15 lakh
Auto-Transfer Setup: Direct monthly income to savings for systematic investing
Tax-Efficient Planning: Combine with tax-saving schemes like PPF, NSC for balanced portfolio

Frequently Asked Questions about Post Office MIS 2025

What is the current Post Office MIS interest rate?

The current POMIS interest rate is 7.4% per annum (effective January 2025). This rate is reviewed quarterly by the Government of India based on government bond yields.

Can I withdraw my POMIS investment before 5 years?

Yes, but with penalties. No withdrawal is allowed in the first year. After 1 year, you can withdraw with 2% penalty (1-3 years) or 1% penalty (3-5 years) on the principal amount.

How much monthly income will I get from ₹5 lakh investment?

With current 7.4% rate: ₹5,00,000 × 7.4% ÷ 12 = ₹3,083 per month. You'll receive this amount for 60 months, totaling ₹1,85,000 over 5 years, plus ₹5 lakh principal at maturity.

Is there any TDS on POMIS monthly income?

No, there's no TDS (Tax Deducted at Source) on POMIS monthly income. You receive the full amount monthly, but the interest is taxable as per your income tax slab and must be declared in ITR.

What happens if I don't collect monthly interest?

If you don't collect monthly interest, it will not earn any additional interest. The unclaimed interest will be paid at maturity or when you close the account, but without any returns on it.

Can I transfer my POMIS account to another Post Office?

Yes, POMIS accounts are fully transferable from one Post Office to another across India without any charges. This is useful if you relocate to a different city or state.

Which is better for senior citizens - POMIS or SCSS?

SCSS offers higher interest (8.2%) and tax benefits but has quarterly payouts. POMIS provides lower returns (7.4%) but monthly income. Choose based on your income frequency needs and tax situation.

Can I nominate someone for my POMIS account?

Yes, nomination facility is available for all POMIS accounts. You can nominate family members who will receive the amount and accrued interest in case of your demise.

What happens to my POMIS account after 5 years maturity?

At maturity, you can withdraw the principal amount or reinvest in a new POMIS account. If you don't withdraw within 2 years, the amount earns Post Office Savings Account interest rate (currently 4%).

Can I open multiple POMIS accounts to invest more than ₹9 lakh?

No, the ₹9 lakh limit is aggregate across all POMIS accounts held by an individual, including shares in joint accounts. However, you can open joint accounts to invest up to ₹15 lakh total.