Post Office Monthly Income Scheme interest rate for January-March 2026 announced with no change

The Govertnment has decided to keep the POMIS interest rate unchanged at 7.4%.

The Post Office Monthly Income Scheme (POMIS) for the October-December quarter of FY 2025-26 was announced by the Ministry of Finance on September 30, 2025. The Government had then decided to keep the interest rate of this popular savings scheme unchanged at 7.4%.

Know more details about the Post Office Monthly Income Scheme below:

POMIS account can be opened in the post office. The scheme offers a monthly income on a lump sum deposit to investors. The scheme is very popular among elderly persons as it provides a guaranteed monthly interest income.

The POMIS account is currently offering 7.4% interest payable monthly to account holders.

The POMIS interest rate has remained unchanged since April 1, 2023. The interest rates of small savings schemes like POMIS, KVP, SCSS, NSC, PPF, Post Office Time Deposit, and SSY are supposed to be decided based on the secondary market yields of G-secs of comparable maturities plus 0.25%. However, the Finance Ministry has often kept the POMIS interest rate higher than what the formula suggests.

Who can open a POMIS account?

The POMIS account can be opened by the following:

• A single adult

• Joint Account (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 in his own name.

The monthly income scheme allows a minimum investment of ₹1000. The maximum investment limit is capped at ₹9 lakh in a single account and ₹15 lakh in a joint account.

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