For married couples looking to secure a stable monthly income, the Post Office Monthly Income Scheme (POMIS) is one of the best options available today. Backed by the Government of India, this savings scheme offers a safe and reliable way to generate regular earnings — making it an ideal choice for households aiming to strengthen their financial future.
With the current attractive interest rates and the option to open joint accounts, couples can easily earn up to ₹9,250 per month under this scheme — a helpful support for managing household expenses or any other recurring needs.
What Is the Post Office Monthly Income Scheme (POMIS)?
POMIS is a government-backed savings scheme that provides investors with a fixed monthly income. The key advantage of this scheme is its low risk — making it perfect for individuals and couples who want guaranteed returns. Both single and joint accounts can be opened under this scheme, allowing couples to maximize their investment and monthly earnings.
Interest Rate & Investment Limits
Here’s what POMIS currently offers:
Interest rate: 7.4% per annum (subject to government review every quarter)
Maturity period: 5 years (extendable after maturity)
Investment limit in single account: ₹9 lakh
Investment limit in joint account: ₹15 lakh
Minimum investment: ₹1,000
In joint accounts, both partners are treated as equal account holders, and interest is paid jointly — enabling higher monthly returns.
How Much Monthly Income Can You Expect?
To better understand the earning potential, let’s look at some examples:
For a joint account with ₹15 lakh invested:
Annual interest: ₹1,11,000
Monthly income: Approximately ₹9,250
For a single account with ₹9 lakh invested:
Annual interest: ₹66,600
Monthly income: Approximately ₹5,550
By opening a joint account, married couples can receive a steady monthly income of up to ₹9,250 — a helpful stream of funds to support monthly household expenses.
Who Can Open a POMIS Account?
Eligibility criteria for opening a POMIS account:
Any individual 18 years or older (for a single account)
Up to 3 adults can open a joint account
Parents or guardians can open an account on behalf of a minor
Minors aged 10 years or older can open an account in their own name
Why POMIS Is an Attractive Option for Couples
Here’s why POMIS remains a favourite investment choice:
100% government-backed: Your investment is safe, with guaranteed returns
Fixed monthly payouts: Offers a steady source of income
Ideal for couples: Higher joint investment limits mean more substantial monthly earnings
Option to extend: The account can be continued beyond 5 years, keeping the income stream alive longer
For couples seeking a hassle-free, safe investment that ensures consistent monthly income, Post Office Monthly Income Scheme is a smart and reliable solution. Whether you’re planning for household needs, saving for the future, or simply looking to diversify your investments — POMIS offers peace of mind with dependable returns.
Author Profile
- My name is Kuldeep Singh Chundawat. I am an experienced content writer with several years of expertise in the field. Currently, I contribute to Daily Kiran, creating engaging and informative content across a variety of categories including technology, health, travel, education, and automobiles. My goal is to deliver accurate, insightful, and captivating information through my words to help readers stay informed and empowered.
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