Post Office Monthly Income Scheme 2025: Earn Monthly Income of ₹29,000
The Post Office Monthly Income Scheme (POMIS) is one of the safest investment options in India. It provides guaranteed monthly income with government-backed security. In 2025, investors can earn up to ₹29,000 per month by depositing the maximum allowed amount.
How to Earn ₹29,000 Monthly?
The monthly income depends on the interest rate, which is currently around 7.4% per annum.
Maximum Deposit Limits
- Single Account: ₹9 lakh
- Joint Account (3 persons): ₹15 lakh
If a family opens multiple accounts within the rules, the combined deposits can generate up to ₹29,000/month in interest.
Key Features of POMIS
- Guaranteed monthly interest
- 5-year maturity period
- Govt.-backed safe investment
- Premature withdrawal allowed (with conditions)
- Joint account option
Eligibility
- Indian citizen
- Above 10 years of age
- Joint accounts allowed
- NRIs are not eligible
Documents Required
- Aadhaar Card
- PAN Card
- Address proof
- Passport-size photo
- Post office account passbook
How to Apply
- Visit any post office
- Fill the POMIS Application Form
- Submit KYC documents
- Deposit money
- Start receiving monthly interest directly in your bank/post office account
Conclusion
The Post Office Monthly Income Scheme (POMIS) is ideal for retired individuals, families, and low-risk investors who want stable monthly earnings. With the potential to earn ₹29,000 every month, it remains one of India’s most reliable income-generating schemes.