Central GovtMonthly PayoutNo Tax BenefitQ4 FY2025-26
Post Office MIS Calculator 2026: monthly income
Deposit up to Rs. 9 lakh once and receive interest income every month for 5 years. Principal stays safe with a government guarantee.
⚠️ These rates are for Q4 FY2025-26 (valid till 2026-03-31). For the latest rates see India Post or the Ministry of Finance.
How POMIS works
Deposit once and interest is credited to your Post Office savings account every month. The full principal is returned after 5 years. Anyone of any age can open an account.
Key rules
- Single account: maximum Rs. 9 lakh
- Joint account: maximum Rs. 15 lakh
- 5-year lock-in
- Interest credited monthly
- No tax benefit
- Premature closure after 1 year (2% penalty)
Frequently asked questions
Is there a tax benefit on POMIS?
No. There is no 80C deduction and the interest is not tax free; it is taxed at your slab rate.
Whose income is it in a joint account?
For tax purposes, the income is treated as the primary holder's.
More calculators
Source: Ministry of Finance / India Post, rates Q4 FY2025-26, subject to quarterly revision. Results are indicative; confirm final figures with your bank or post office.