Post Office Plan 2025:
Post Office Monthly Income Scheme (POMIS) 2025 is a government backed investment plan. It offers steady monthly income for investors with a low risk appetite. This scheme is ideal for retired individuals, homemakers, senior citizens and anyone seeking fixed monthly earnings.
This scheme ensures capital safety and fixed returns. The interest rate remains unchanged throughout the investment period. Investors receive the entire principal amount at maturity. The scheme can also be renewed as per current rules.
Key Features of POMIS 2025:
Monthly Income: Earn regular monthly interest on your investment.
Secure Investment: Backed by the Government of India.
Fixed Interest Rate: Returns do not change with market fluctuations.
Maturity Period: Five years with an option to reinvest.
Transferable Account: Account can be moved between post offices.
Nomination Facility: Nominee can claim the amount in case of account holder’s death.
Investment Limits:
Individual Account: Up to ₹9 lakhs
Joint Account: Up to ₹15 lakhs (equal share considered)
Minimum Age: 18 years and above
Minor Accounts: Can be opened by guardians
Required Documents:
– Aadhaar Card
– PAN Card
– Voter ID or Driving License (for address proof)
– Passport-size photographs
Points to Note:
Interest earned is taxable as per income tax slabs. No tax deduction benefit under Section 80C. Premature withdrawal is allowed after one year with applicable penalties. Online facility is not available. The scheme operates through offline Post Office branches.
Post Office Monthly Income Scheme 2025 is a reliable option for those who want monthly income without market risk. It provides peace of mind and financial support, especially for retired individuals.
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