Post Office Monthly Income Scheme (POMIS) interest rate for July-September 2025

2 min read | Updated on July 01, 2025, 09:29 IST

SUMMARY

Latest POMIS interest rate: Post Office Monthly Income Scheme is an exclusive monthly income scheme offered by the Post Office. The scheme is offering 7.4% interest payable monthly at present to account holders. And it remains unchanged.

Interest rate of Post Office monthly income scheme expected to be revised. | Representational image source: Shutterstock

Post Office Monthly Income Scheme (POMIS) interest rate for the July-September quarter of FY 2025-26 has been announced by the Finance Ministry.

POMIS is an exclusive monthly income scheme offered only by the Post Office. The scheme is offering 7.4% interest payable monthly at present to account holders. And it will continue to offer the same interest rate in the July-September quarter.

Who can invest in POMIS?

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 POMIS scheme currently offers 7.4% per annum interest paid monthly. The scheme allows a minimum investment of ₹1000, but the maximum investment limit is capped at ₹9 lakh in a single account.

An individual can invest a maximum of ₹9 lakh in MIS (including his share in joint accounts).

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.

POMIS interest rate: What was expected?

The POMIS interest rate has remained unchanged at 7.4% since April 1, 2023. However, a reduction in the interest rate for the monthly income scheme along with other small savings schemes, was expected today (June 30). This was because of the falling secondary market yield of Central Government securities (G-secs) in January 2025.

The interest rates of small savings schemes like POMIS, KVP, SCSS, NSC, PPF, Post Office Time Deposit, and SSY are decided based on yields of G-secs of comparable maturities in the secondary markets.

Since January 2025, G-sec yields have declined amid the Reserve Bank of India's (RBI) decision to reduce its repo rate by 100 bps (1%). Falling G-Sec yield provides a solid reason for the Government to reduce the KVP interest rate.

However, it was also expected that the Finance Ministry may keep the KVP interest rate unchanged, as the scheme helps millions of depositors earn a guaranteed monthly income against a lump sum deposit.