Post Office MIS Calculator 2026 (POMIS)

Calculate guaranteed 7.4% p.a. monthly interest payout on single (up to ₹9 Lakh) or joint (up to ₹15 Lakh) accounts

POMIS Deposit Inputs

Account Type

Deposit Amount (₹)

Guaranteed Monthly Payout₹5,550 / mo

Annual Payout: ₹66,600 (at 7.4% p.a.)

Total 5-Yr Income₹3.33 L

Principal Returned (Yr 5)₹9.00 L

5-Year Payout Schedule

Year	Monthly Payout	Annual Interest Paid	Cumulative Income	Principal Security
Year 1	₹5,550 / mo	₹66,600	₹66,600	₹9.00 L
Year 2	₹5,550 / mo	₹66,600	₹1.33 L	₹9.00 L
Year 3	₹5,550 / mo	₹66,600	₹2.00 L	₹9.00 L
Year 4	₹5,550 / mo	₹66,600	₹2.66 L	₹9.00 L
Year 5	₹5,550 / mo	₹66,600	₹3.33 L	₹9.00 L

Monthly Cash Flow

Post Office MIS Architecture: Predictable Sovereign Monthly Cash Inflows

The National Savings Monthly Income Account (POMIS) provides households and retirees with guaranteed monthly cash flows backed by the sovereign credit of India. Capital is locked for 5 years at an attractive 7.4% interest rate with monthly interest credited directly to your post office savings account.

Sovereign & Pension Framework

Post Office MIS FAQs

Clear guidance on account limits, joint holdings, and premature closures.

What is the maximum investment limit in Post Office MIS accounts?

The maximum ceiling is ₹9,00,000 for a single account and ₹15,00,000 for a joint account held by up to 3 adult individuals.

What are the premature withdrawal penalties for POMIS accounts?

No withdrawal is allowed within the first year. A 2% deduction from principal applies if closed between 1 and 3 years, and a 1% deduction applies if closed after 3 years.