About this tool
Estimate a POMIS income scenario using the deposit, account and rate assumptions shown. Keep the periodic interest illustration separate from the principal that remains subject to account terms.
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
मुख्य इनपुट और नियंत्रण हिंदी में देखने के लिए ऊपर “🇮🇳 हिंदी में देखें” चुनें। गणना और फ़ाइल प्रोसेसिंग इसी ब्राउज़र टैब में होती है; टूल आपके इनपुट हमारी होस्टिंग पर नहीं भेजता।
Features
- Work with Lumpsum Deposit Amount (₹); Official POMIS Rate (% p.a.).
- Account Type: choose from Single Account (Max ₹9,00,000); Joint Account (Max ₹15,00,000).
- Review Monthly Income; Annual Income; Total 5-Year Interest in the result breakdown.
Benefits
- Compare monthly-income estimates for different deposits.
- Organise a cash-flow discussion around explicit assumptions.
Who should use this tool?
- People exploring a periodic-income deposit.
- Account holders reviewing an interest worksheet.
How to use
- Complete the labelled fields for your scenario, including Lumpsum Deposit Amount (₹); Official POMIS Rate (% p.a.). Use the units shown beside each field.
- Choose Account Type to match the situation you want to check.
- Select Calculate / Run Tool and review Guaranteed Monthly POMIS Payout and Monthly Income; Annual Income.
- Check the assumptions and limitations below. Adjust a value to compare scenarios, then copy or download the result you need.
Try these worked examples
| Scenario | Example inputs | Example result |
|---|---|---|
| Max Single Account ₹9,00,000 @ 7.4% (₹5,550/month) | Account Type: Single Account (Max ₹9,00,000)Lumpsum Deposit Amount (₹): 900000Official POMIS Rate (% p.a.): 7.4 | ₹5,550 / month for 60 Months |
| Max Joint Account ₹15,00,000 @ 7.4% (₹9,250/month) | Account Type: Joint Account (Max ₹15,00,000)Lumpsum Deposit Amount (₹): 1500000Official POMIS Rate (% p.a.): 7.4 | ₹9,250 / month for 60 Months |
Reference and processing
India Post / National Savings Institute — POMIS Rules (₹9L Single / ₹15L Joint) · Listed applicability: FY 2025-26 / 2026-27 (7.4% p.a.)
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
FAQs
Does the monthly payout reduce the original principal?
Read the product and model assumptions separately from the periodic-income figure. Any withdrawal, closure or premature-closure treatment depends on the applicable account terms.
Which inputs do I need for Post Office Monthly Income Scheme (POMIS — 7.4%) Calculator?
Use Account Type; Lumpsum Deposit Amount (₹); Official POMIS Rate (% p.a.). The built-in examples show how those fields fit together.
What should I check before using this result?
Maximum investment is ₹9,00,000 in a Single Account and ₹15,00,000 in a Joint Account (2 or 3 adults). Tenure is 5 years. Check current official rules and your own circumstances before making a filing or financial decision.
What happens to the information I enter?
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server. Tool favourites save only tool IDs in this browser. Sharing sends the tool link, not your working values or files.