Post Office Monthly Income Scheme (POMIS) interest rate April-June 2026: How much you can earn per month?

The ministry has kept the POMIS interest rate unchanged at 7.4%.

POMIS account: How much can you earn per month?

The scheme allows an individual to invest a maximum of ₹9 lakh in his/her individual account. ₹15 lakh can be invested in a joint POMIS account.

At the current 7.4% interest rate, an investment of ₹9 lakh in a POMIS account can ensure a monthly income of ₹5500, while an investment of ₹15 lakh in a joint POMIS account can result in ₹9250 per month income.

A POMIS account can be opened only at a post office. Under this scheme, you can earn a monthly income by depositing a lump sum. The scheme is very popular among senior citizens because it offers a guaranteed monthly interest income.

POMIS interest rate has remained unchanged since April 1, 2023.

The interest rates of small savings schemes like POMIS track the secondary market yields of G-secs of comparable maturities plus 0.25%.

A POMIS account can be opened by a single adult, jointly by up to 3 adults, a guardian on behalf of a minor, or on behalf of a person of unsound mind. A minor above 10 years can also have a POMIS account in his/her own name.

The next review of the POMIS account interest rate will be done on June 30, 2026.