Looking for a safe and steady monthly income option in 2025? The Post Office Monthly Income Plan 2025 (POMIS) continues to be one of India’s most trusted savings schemes for individuals seeking regular returns without market risks. With its revised post office interest rate 2025, the scheme ensures both stability and reliability, making it perfect for senior citizens, retirees, and conservative investors.
What Is the Post Office Monthly Income Plan 2025?
The Post Office Monthly Income Plan 2025 is a government-backed investment scheme offered by India Post that provides fixed monthly interest payouts. It’s designed for those who want to earn a predictable income every month while keeping their principal amount safe.
Key highlights include:
- Guaranteed monthly returns
- Low-risk government-backed investment
- Flexible deposit options for single and joint accounts
- Ideal for retirees or those with fixed income goals
Updated Post Office Interest Rate 2025
The post office interest rate 2025 has been revised to make the scheme even more attractive. Investors now earn better returns compared to traditional savings accounts.
| Period | Post Office Interest Rate 2025 | Compounding & Payout |
|---|---|---|
| Q1 (Jan–Mar 2025) | 7.4% per annum | Monthly payout |
| Q2 (Apr–Jun 2025) | 7.4% per annum | Monthly payout |
| Q3 (Jul–Sep 2025) | 7.4% per annum | Monthly payout |
| Q4 (Oct–Dec 2025) | To be updated | Monthly payout |
Note: Interest rates are subject to government revision every quarter.
Lock-In Period and Premature Withdrawal Rules
The Post Office Monthly Income Plan 2025 comes with a 5-year lock-in period, ensuring that the investment remains stable for a decent term. However, investors can make early withdrawals under certain conditions.
Premature withdrawal details:
- Before 1 year: No withdrawal permitted
- After 1 year but before 3 years: Deduction of 2% on the deposit amount
- After 3 years but before 5 years: Deduction of 1% on the deposit amount
This balance between liquidity and stability makes POMIS suitable for medium-term financial planning.
Monthly Payout Calculation Example
To understand how your returns are calculated, here’s a simple example:
| Deposit Amount | Interest Rate (2025) | Monthly Income |
|---|---|---|
| ₹1,00,000 | 7.4% | ₹616 |
| ₹3,00,000 | 7.4% | ₹1,848 |
| ₹9,00,000 | 7.4% | ₹5,544 |
| ₹15,00,000 (Joint Account) | 7.4% | ₹9,240 |
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