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Learn About POMIS: A High-Earning Scheme

Neha Uperti, a finance Influencer, highlights the POMIS as a beneficial scheme. As this scheme returns maximum interest.

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Learn About POMIS: A High-Earning Scheme

Photo Credit: Neha Upreti Instagram

  • Neha Uperti is a finance influencer
  • Know about POMIS
  • Benefits of POMIS

Have you ever heard about POMIS (Post Office Monthly Income Scheme)? If not, then let us know with Neha Uperti. Neha Uperti, a well-known finance influencer who also has good knowledge about government schemes, shares the details about POMIS. Under this scheme, an individual can take the maximum interest rate and avail more benefits. 

Know About POMIS

Post Office Monthly Income Scheme (POMIS) is an investment scheme approved by the Ministry of Finance. It is one of the highest-earning schemes with an interest rate of 7.4%. The interest in this scheme is expended monthly. After opening a POMIS account, individuals can invest a relevant amount based on affordability. It provides low-risk and stable income where an investor can deposit every month and get interested in MIS (Monthly Income Scheme) in the post office according to their applicable monthly rate. 

The Post Office Monthly Income Scheme provides a Monthly Income with an Interest Rate of 7.4%. The maximum Investment Limit is 9 lakh Rupees for a single account holder. This limit is increased to 15 Lakh for a joint account holder.

You will get a maximum of Rs 5500 Interest payable Monthly. For joint account holders, this amount is Rs 9250 per month. The maturity duration is 5 years.


Capital Protection: Your money is safe until maturity as this is a government-backed scheme.
Affordable Deposit Amount: You can start with a formal starting investment of one thousand rupees. As per your affordability, you can invest in multiples of this amount.

Guaranteed Returns: You earn income in the form of interest every month. The returns are not inflation-beating but are higher compared to other fixed-income investments like FD. 

Multiple Account Ownership: You can start more than one account in your name. But the total deposit amount is a maximum of Rs. 9 lakhs in all of them together. 

Joint Account: You can open a joint account with 2 or 3 people. In this case, a collection sum of up to Rs.15 lakhs can be invested in this account.


  1. Must be a citizen of India.
  2. Must be residing in India.
  3. The applicant should be at least 18 years old. 
  4. Also, you can start an account whose age is 10 years and above. They can avail of the fund when they become 18 years old.

After knowing all the details about POMIS, start your account to get maximum benefits for you and your family members. And make a stable and secure future. 

Also Read: Smart Financial Habits: Avoid These Unnecessary Spending For A Wealthy Future

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