POMIS Calculator
Post Office Monthly Income Scheme — government-backed, fixed-income for retirees. Currently 7.4% p.a., paid monthly. ₹9L single / ₹15L joint cap.
🇮🇳All amounts in ₹ INR · India tax law · FY 2025–26
Inputs
Max ₹9L single, ₹15L joint.
Monthly payout
₹5,550
Annual payout
₹66,600
Total over 5y + principal back
₹12,33,000
Key rules
- Tenure: 5 years. Principal returned at maturity.
- Interest paid monthly, taxable at slab rate (no TDS at source).
- Max ₹9L individual, ₹15L joint (since 1 Apr 2023).
- Premature withdrawal after 1 year: small penalty applied to principal.
Authoritative sources
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