{"id":9755,"date":"2025-08-25T06:03:48","date_gmt":"2025-08-25T06:03:48","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=9755"},"modified":"2026-02-24T09:11:57","modified_gmt":"2026-02-24T09:11:57","slug":"post-office-monthly-income-scheme-interest-rate-features","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/","title":{"rendered":"Post Office Monthly Income Scheme: Interest Rate &#038; Features"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">In India, the Post Office offers several investment schemes that provide non-market-linked returns. Known as \u201csmall savings schemes,\u201d these <\/span><span style=\"font-weight: 400;\">Post Office FD plans<\/span><span style=\"font-weight: 400;\"> carry a sovereign guarantee. This makes sure that in case of default, investors receive 100% of their principal along with the accrued interest,<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These schemes are managed by the National Savings Institute, which operates under the Ministry of Finance. Among the several small savings schemes is the <\/span><span style=\"font-weight: 400;\">Post Office Monthly Income Scheme<\/span><span style=\"font-weight: 400;\"> (POMIS). It is designed for conservative investors who want a <\/span><a href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/\"><span style=\"font-weight: 400;\">fixed monthly interest income<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As of August 15, 2025, <\/span><span style=\"font-weight: 400;\">Post Office MIS interest rate<\/span><span style=\"font-weight: 400;\"> stands at 7.40% per annum, which is applicable for the quarter from July to September 2025. <\/span><i><span style=\"font-weight: 400;\">Rates are subject to change. Please check the latest interest rates before investing.<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">Want to know more? In this article, let\u2019s understand the <\/span><span style=\"font-weight: 400;\">post office MIS scheme<\/span><span style=\"font-weight: 400;\"> in detail.\u00a0<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#What_is_the_Post_Office_Monthly_Income_Scheme_POMIS\" >What is the Post Office Monthly Income Scheme (POMIS)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#Who_Can_Open_a_POMIS_Account\" >Who Can Open a POMIS Account?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#Joint_POMIS_Account\" >Joint POMIS Account<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#POMIS_Account_for_a_Minor\" >POMIS Account for a Minor<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#What_are_the_Latest_Investment_Limits_of_the_POMIS_in_2025\" >What are the Latest Investment Limits of the POMIS in 2025?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#What_is_the_Post_Office_Monthly_Income_Scheme_Latest_Interest_Rate\" >What is the Post Office Monthly Income Scheme Latest Interest Rate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#Is_Premature_Withdrawal_Allowed_in_POMIS\" >Is Premature Withdrawal Allowed in POMIS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#In_2025_Invest_in_FDs_Online_Via_the_GoldenPi_Platform\" >In 2025, Invest in FDs Online Via the GoldenPi Platform!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#Post_Office_FD_Scheme_FAQs\" >Post Office FD Scheme FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#1_What_is_the_latest_Post_Office_Monthly_Income_Scheme_POMIS_interest_rate_in_2026\" >1. What is the latest Post Office Monthly Income Scheme (POMIS) interest rate in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#2_Can_the_post_office_MIS_be_extended\" >2. Can the post office MIS be extended?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#3_What_happens_if_the_POMIS_account_holder_dies_before_maturity\" >3. What happens if the POMIS account holder dies before maturity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#4_What_happens_if_I_cant_close_my_POMIS_account_at_maturity\" >4. What happens if I can\u2019t close my POMIS account at maturity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#5_Can_I_take_my_total_interest_at_maturity_from_the_POMIS_account\" >5. Can I take my total interest at maturity from the POMIS account?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#6_Can_Senior_Citizens_Get_Extra_Interest_from_the_POMIS_Scheme\" >6. Can Senior Citizens Get Extra Interest from the POMIS Scheme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#7_Can_I_open_an_MIS_in_the_Post_Office_online\" >7. Can I open an MIS in the Post Office online?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#8_What_is_the_Monthly_Income_Scheme\" >8. What is the Monthly Income Scheme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#9_What_is_the_minimum_deposit_required_to_open_a_Post_Office_Monthly_Income_Scheme\" >9. What is the minimum deposit required to open a Post Office Monthly Income Scheme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#10_What_is_the_Post_Office_Monthly_Income_Scheme_interest_rate\" >10. What is the Post Office Monthly Income Scheme interest rate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-monthly-income-scheme-interest-rate-features\/#11_What_is_the_maximum_limit_of_MIS_in_Post_Office\" >11. What is the maximum limit of MIS in Post Office?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_Post_Office_Monthly_Income_Scheme_POMIS\"><\/span><span style=\"font-weight: 400;\">What is the Post Office Monthly Income Scheme (POMIS)?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The Post Office Monthly Income Scheme (POMIS) is a government-backed savings plan approved by the Ministry of Finance. In this <\/span><span style=\"font-weight: 400;\">Post Office FD plan, <\/span><span style=\"font-weight: 400;\">you invest a one-time lump sum for 5 years and then receive monthly interest.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A POMIS account can be opened with a minimum deposit of \u20b91,000 and in multiples of \u20b91,000 thereafter. Once the account is active, the post office will credit the monthly interest to you at the applicable rate. However, the amount you invest should be within the scheme\u2019s allowed limits (discussed later).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This <\/span><span style=\"font-weight: 400;\">post MIS scheme<\/span><span style=\"font-weight: 400;\"> is a low-risk option ideal for conservative investors. Through it, you can earn a stable monthly income without exposure to market fluctuations. Please note that both your original investment and interest are guaranteed by the government of India (GoI).<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Who_Can_Open_a_POMIS_Account\"><\/span><span style=\"font-weight: 400;\">Who Can Open a POMIS Account?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You can open a Post Office Monthly Income Scheme (POMIS) account if you are a resident individual in India and are a single adult. You may open more than one POMIS account (single or joint) within the permitted deposit limits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Furthermore, accounts can also be opened online through the India Post e-Banking portal. Please note that an active Post Office Savings Account is required to use internet banking services.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s check out some other cases as well:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Joint_POMIS_Account\"><\/span><span style=\"font-weight: 400;\">Joint POMIS Account<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A joint POMIS account can be opened by up to three adults as follows:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Joint \u2018A\u2019 type<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Joint \u2018B\u2019 type<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">All account holders must operate the account together, or the surviving holders after one\u2019s death.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Any one account holder can operate the account individually, or the surviving holders after one\u2019s death.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<h3><span class=\"ez-toc-section\" id=\"POMIS_Account_for_a_Minor\"><\/span><span style=\"font-weight: 400;\">POMIS Account for a Minor<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A minor aged 10 years or above can open a POMIS account. Alternatively, a guardian can open the POMIS account for a minor. <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Later, when the minor account holder turns 18, they must submit a new Account Opening Form and fresh KYC documents at the post office to convert it into an adult account.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_Latest_Investment_Limits_of_the_POMIS_in_2025\"><\/span><span style=\"font-weight: 400;\">What are the Latest Investment Limits of the POMIS in 2025?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To open a Post Office Monthly Income Scheme (POMIS) account, you must follow these deposit rules:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Maximum Limit in a \u201cSingle Account\u201d<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Maximum Limit in a \u201cJoint Account\u201d<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b99 lakh<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b915 lakh<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><span style=\"font-weight: 400;\">If you hold multiple POMIS accounts, the total deposits across all your accounts cannot exceed \u20b99 lakh in single accounts or \u20b915 lakh in joint accounts.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_Post_Office_Monthly_Income_Scheme_Latest_Interest_Rate\"><\/span><span style=\"font-weight: 400;\">What is the <\/span><span style=\"font-weight: 400;\">Post Office Monthly Income Scheme Latest Interest Rate<\/span><span style=\"font-weight: 400;\">?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As of August 15, 2025, the <\/span><span style=\"font-weight: 400;\">Post Office MIS interest rate<\/span><span style=\"font-weight: 400;\"> is 7.40% p.a. This rate will remain applicable for the quarter July to September 2025. <\/span><i><span style=\"font-weight: 400;\">Rates are subject to change. Please check the latest <\/span><\/i><i><span style=\"font-weight: 400;\">MIS interest rate at the post office<\/span><\/i><i><span style=\"font-weight: 400;\"> before investing.<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">For those unaware, the GoI reviews the <\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/post-office-fd-interest-rates-2025\/\"><span style=\"font-weight: 400;\">interest rates of <\/span><span style=\"font-weight: 400;\">fixed deposit schemes<\/span><\/a><span style=\"font-weight: 400;\"> in the Post Office<\/span><span style=\"font-weight: 400;\"> every quarter. However, the interest rate once booked remains valid for the entire duration of the scheme.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_Premature_Withdrawal_Allowed_in_POMIS\"><\/span><span style=\"font-weight: 400;\">Is Premature Withdrawal Allowed in POMIS?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You cannot close a Post Office Monthly Income Scheme (POMIS) account before completing 1 year from the date of opening. Now, if you close the account after 1 year, the following penalty rules will apply:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Premature Closure Time Limits<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Penalty<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">After 1 year but before 3 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2% of your deposit amount will be deducted, and the remaining balance will be paid to you.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">After 3 years but before maturity<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1% of your deposit amount will be deducted, and the remaining balance will be paid to you.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: The above premature withdrawal rules are applicable as of August 14, 2025. Please check the latest rules before investing.\u00a0<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"In_2025_Invest_in_FDs_Online_Via_the_GoldenPi_Platform\"><\/span><span style=\"font-weight: 400;\">In 2025, Invest in FDs Online Via the GoldenPi Platform!<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The Post Office Monthly Income Scheme (POMIS) is one of several fixed deposit schemes offered through post offices by the National Savings Institute, Government of India.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These schemes carry a 100% sovereign guarantee and are fully government-backed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As of August 15, 2025, the <\/span><span style=\"font-weight: 400;\">Post Office MIS interest rate<\/span><span style=\"font-weight: 400;\"> is 7.40% p.a. (July\u2013September 2025) for a fixed tenure of 5 years. The interest is paid only on a monthly basis, and the principal is returned at maturity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are looking beyond POMIS for more popular fixed deposit options from leading NBFCs and banks, you can explore them on the GoldenPi platform. Here, you can compare rates and book your FD online within minutes (without visiting any branch). <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\"><span style=\"font-weight: 400;\">Check out the various FD options from here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Post_Office_FD_Scheme_FAQs\"><\/span><span style=\"font-weight: 400;\">Post Office FD Scheme<\/span><span style=\"font-weight: 400;\"> FAQs<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_the_latest_Post_Office_Monthly_Income_Scheme_POMIS_interest_rate_in_2026\"><\/span><span style=\"font-weight: 400;\">1. What is the latest Post Office Monthly Income Scheme (POMIS) interest rate in 2026?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As of August 15, 2025, this fixed deposit scheme in the post office offers an interest rate of 7.40% p.a., which is valid for the quarter of July to September 2025.\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Interest rates are subject to change. Please refer to the latest interest rates before investing<\/span><\/i><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Can_the_post_office_MIS_be_extended\"><\/span><span style=\"font-weight: 400;\">2. Can the post office MIS be extended?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">No, a POMIS account cannot be extended beyond its 5-year term. Once it matures, you must withdraw the funds. If you wish to continue, you can open a new POMIS account with the withdrawn amount (subject to the deposit limits).<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_What_happens_if_the_POMIS_account_holder_dies_before_maturity\"><\/span><span style=\"font-weight: 400;\">3. What happens if the POMIS account holder dies before maturity?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If the account holder dies before maturity, the account will be closed. Next, the deposit will be refunded along with interest calculated up to the month before the refund is initiated.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, say the refund is supposed to be made in September. Now, interest will be calculated only up to August.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_happens_if_I_cant_close_my_POMIS_account_at_maturity\"><\/span><span style=\"font-weight: 400;\">4. What happens if I can\u2019t close my POMIS account at maturity?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If the POMIS account has matured but is not closed, the balance will continue to earn interest at the Post Office Savings Account rate until it is closed.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_I_take_my_total_interest_at_maturity_from_the_POMIS_account\"><\/span><span style=\"font-weight: 400;\">5. Can I take my total interest at maturity from the POMIS account?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">No! POMIS pays interest only on a monthly basis. You cannot accumulate the interest and take it as a lump sum at maturity.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Please note that at the end of 5 years, you will receive only your principal amount back, as the interest would have already been paid out each month.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_Senior_Citizens_Get_Extra_Interest_from_the_POMIS_Scheme\"><\/span><span style=\"font-weight: 400;\">6. Can Senior Citizens Get Extra Interest from the POMIS Scheme?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">No! The Post Office Monthly Income Scheme (POMIS) does not offer any additional interest for senior citizens. The same interest rate applies to all eligible investors.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_I_open_an_MIS_in_the_Post_Office_online\"><\/span><span style=\"font-weight: 400;\">7. Can I open an MIS in the Post Office online?<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No, you cannot open a Post Office MIS account online. The account must be opened by visiting a post office.<br \/>\nWhat is the deduction rate if an MIS account is closed after 1 year but before 3 years?<br \/>\nIf closed after 1 year but before 3 years, 2% of the principal amount is deducted as a penalty. Premature closure before 1 year is not allowed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_What_is_the_Monthly_Income_Scheme\"><\/span>8. What is the Monthly Income Scheme?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The Post Office Monthly Income Scheme (MIS) is a government-backed savings scheme that provides fixed monthly interest income for 5 years. This scheme may suit retirees and conservative investors.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_What_is_the_minimum_deposit_required_to_open_a_Post_Office_Monthly_Income_Scheme\"><\/span>9. What is the minimum deposit required to open a Post Office Monthly Income Scheme?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The minimum deposit to open a Post Office MIS account is \u20b91,000. Deposits must be made in multiples of \u20b91,000.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_What_is_the_Post_Office_Monthly_Income_Scheme_interest_rate\"><\/span>10. What is the Post Office Monthly Income Scheme interest rate?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The MIS interest rate is notified quarterly by the Government of India. For the January-March 2026 quarter, the interest rate is 7.4% p.a., payable monthly.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_What_is_the_maximum_limit_of_MIS_in_Post_Office\"><\/span>11. What is the maximum limit of MIS in Post Office?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The maximum investment limit is \u20b99 lakh for a single account and \u20b915 lakh for a joint account (as per current rules). Limits are subject to change by the government.<\/p>\n<p><span style=\"font-weight: 400;\">________________________________________________________<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Disclaimer: This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the securities market are subject to market risks. Read all the offer-related documents carefully before investing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fixed Deposit schemes are offered by the Post Office, which is regulated by the Government of India. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.<\/span><\/p>\n<p>Lastest updated:13-02-2026<\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the latest Post Office Monthly Income Scheme (POMIS) interest rate in 2026?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"As of 15 August 2025, the Post Office Monthly Income Scheme (POMIS) offers an interest rate of 7.40% per annum for the July\u2013September 2025 quarter. Interest rates are subject to change, so investors should check the latest notified rates before investing.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can the Post Office MIS be extended?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No, a POMIS account cannot be extended beyond its 5-year tenure. After maturity, the funds must be withdrawn. However, you may open a new POMIS account with the withdrawn amount, subject to applicable deposit limits.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What happens if the POMIS account holder dies before maturity?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"If the account holder dies before maturity, the account will be closed and the deposit refunded along with interest calculated up to the month preceding the refund. For example, if the refund is processed in September, interest will be calculated up to August.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What happens if I can\u2019t close my POMIS account at maturity?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"If the POMIS account is not closed at maturity, the balance will continue to earn interest at the Post Office Savings Account rate until it is officially closed.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I take my total interest at maturity from the POMIS account?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No, POMIS pays interest monthly and does not allow accumulation for lump-sum withdrawal at maturity. At the end of 5 years, only the principal amount is returned, as the interest is paid out every month.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can senior citizens get extra interest from the POMIS scheme?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No, the Post Office Monthly Income Scheme (POMIS) does not offer any additional interest for senior citizens. The same interest rate applies to all eligible investors.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I open an MIS in the Post Office online?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No, a Post Office MIS account cannot be opened online. You must visit a post office branch to open the account. If the account is closed after 1 year but before 3 years, a penalty of 2% of the principal amount is deducted. Premature closure before 1 year is not permitted.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the Monthly Income Scheme?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The Post Office Monthly Income Scheme (MIS) is a government-backed savings scheme that provides fixed monthly interest income for a period of 5 years. It is commonly chosen by retirees and conservative investors seeking regular income.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the minimum deposit required to open a Post Office Monthly Income Scheme?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The minimum deposit required to open a Post Office MIS account is \u20b91,000, and deposits must be made in multiples of \u20b91,000.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the Post Office Monthly Income Scheme interest rate?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The MIS interest rate is notified quarterly by the Government of India. For the January\u2013March 2026 quarter, the interest rate is 7.40% per annum, payable monthly.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the maximum limit of MIS in Post Office?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The maximum investment limit is \u20b99 lakh for a single account and \u20b915 lakh for a joint account, as per current government rules. These limits are subject to change.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In India, the Post Office offers several investment schemes that provide non-market-linked returns. Known as \u201csmall savings schemes,\u201d these Post Office FD&hellip;<\/p>\n","protected":false},"author":8,"featured_media":11920,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[224,225,307],"tags":[302,303,304,305,306,894,895,896,897,898],"class_list":["post-9755","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank-fd","category-fixed-deposit","category-post-office-fd-scheme","tag-post-office-fd-scheme","tag-post-office-scheme-for-senior-citizens","tag-post-office-fd-scheme-online","tag-post-office-fd-plans","tag-fixed-deposit-schemes-in-post-office","tag-mis-interest-rate-in-post-office","tag-post-office-mis-scheme","tag-post-office-monthly-income-scheme-latest-interest-rate","tag-post-office-monthly-income-scheme","tag-post-mis-scheme"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Explore Post Office Monthly Income Scheme (POMIS) | Learn How it Works<\/title>\n<meta name=\"description\" content=\"POMIS is a fixed deposit scheme in the Post Office. 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