Post Office Monthly Income Scheme (POMIS) ek safe aur guaranteed investment option hai jisme aapko fixed monthly interest milta hai.
Janiye POMIS ka interest rate 2025, eligibility, benefits aur investment limit yaha.
Introduction
Aaj ke time mein safe aur guaranteed return wali investment scheme dhoondhna mushkil ho gaya hai. Stock market aur mutual funds risk ke sath aate hain, lekin agar aapko regular fixed income chahiye, toh Post Office Monthly Income Scheme (POMIS) ek best option ho sakti hai. Ye scheme specially un logon ke liye hai jo apna paisa safe jagah par rakhkar har mahine fixed interest income lena chahte hain.
Is article mein hum detail mein samjhenge Post Office Monthly Income Scheme kya hai, iske benefits, eligibility, interest rate 2025, documents required aur investment limit.
Post Office Monthly Income Scheme (POMIS) Kya Hai?
POMIS ek government-backed saving scheme hai jo India Post ke through chalai jaati hai. Is scheme mein aap ek fixed amount invest karte ho aur us par aapko har mahine interest income milta hai. Iska matlab hai ki aapko ek monthly pension jaisa benefit milta hai.
Ye scheme un logon ke liye perfect hai jinko fixed monthly income chahiye bina risk ke, jaise retirees, housewives ya safe investment karne wale investors.
Post Office Monthly Income Scheme Interest Rate 2025
Post Office Monthly Income Scheme ka interest rate har quarter government decide karti hai.
- Interest Rate (2025): 7.4% per annum (Q3 FY 2025-26 ke liye expected)
- Interest monthly basis par account holder ko milta hai.
- Interest aapke saving account mein credit ho jaata hai.
Example: Agar aap ₹9 lakh invest karte ho, toh aapko approx ₹5,550 per month interest income milegi.
Post Office Monthly Income Scheme Features
- Government Guaranteed: 100% safe investment option.
- Fixed Returns: Har mahine ek fixed interest credit hota hai.
- Lock-in Period: 5 years ka lock-in hai. Uske baad aap paisa nikal sakte ho.
- Investment Limit:
- Single Account: Minimum ₹1,000 aur maximum ₹9 Lakh
- Joint Account: Maximum ₹15 Lakh
- Nomination Facility: Aap apne nominee ko add kar sakte ho.
- Premature Withdrawal: Agar zarurat ho toh 1 year ke baad paisa withdraw kar sakte ho lekin kuch charges lagenge.
Eligibility for Post Office Monthly Income Scheme
POMIS mein invest karne ke liye aapko kuch eligibility conditions follow karni hongi:
- Investor Indian citizen hona chahiye.
- Minimum age: 10 years (minor ke naam par bhi account khola ja sakta hai).
- NRI (Non-Resident Indians) is scheme mein invest nahi kar sakte.
Documents Required for POMIS
Aapko POMIS account kholne ke liye basic KYC documents dene hote hain:
- Aadhaar Card
- PAN Card
- Passport size photographs
- Address proof (Voter ID, Driving License, Utility Bill)
- Filled application form
Benefits of Post Office Monthly Income Scheme
- Guaranteed Monthly Income: Market risk bilkul nahi hai.
- Safe Investment: Government of India backed hai.
- Simple Process: Easy account opening at any Post Office.
- Tax Benefits: Interest par TDS nahi lagta, lekin yeh income tax ke under taxable hota hai.
- Joint Account Option: Family members ke sath account open kar sakte ho.
How to Open POMIS Account?
- Apne nearest Post Office branch visit karein.
- Application form fill karein aur documents attach karein.
- Minimum ₹1,000 invest karke account khol sakte ho.
- Monthly interest automatically aapke Post Office saving account mein credit ho jaayega.
Post Office Monthly Income Scheme Calculator
Aap apne investment ke hisaab se monthly income calculate kar sakte ho.
- Investment: ₹5,00,000
- Interest Rate: 7.4%
- Annual Interest: ₹37,000
- Monthly Income: ₹3,083 approx
Conclusion
Post Office Monthly Income Scheme (POMIS) ek aisi saving scheme hai jo investors ko har mahine fixed aur guaranteed income deti hai. Ye un logon ke liye best hai jo apna paisa safe jagah par lagana chahte hain aur regular income lena chahte hain.
Agar aap risk-free option dhoondh rahe ho toh POMIS ek trusted aur secure investment plan hai.
FAQs on Post Office Monthly Income Scheme
Q1. Post Office Monthly Income Scheme ka interest rate 2025 mein kitna hai?
Ans: Filhaal POMIS interest rate 7.4% per annum hai.
Q2. POMIS mein minimum aur maximum investment kitna hai?
Ans: Minimum ₹1,000 aur maximum ₹9 lakh single account ke liye, ₹15 lakh joint account ke liye.
Q3. POMIS ka lock-in period kitna hai?
Ans: Iska lock-in period 5 saal ka hota hai.
Q4. Kya POMIS par tax benefit milta hai?
Ans: Is par TDS nahi lagta, lekin interest income taxable hoti hai.
Q5. Kya NRI log POMIS account khol sakte hain?
Ans: Nahi, NRIs is scheme mein invest nahi kar sakte.
Disclaimer: This article is for informational purposes only and does not guarantee any earnings or financial results. Readers are advised to do their own research or consult a financial advisor before making any decisions.
