Tension over! The post office has two exciting schemes, which will curb down your tension and can make your financial life easier than you could think.
The Indian government has kept interest rates unchanged for the October-December 2025 quarter. The most attractive schemes include the Post Office Monthly Income Scheme (POMIS) and the Post Office Recurring Deposit Scheme (RD). Both of these schemes offer the benefits of regular income and safe capital for the future.
Post Office MIS
The Post Office Monthly Income Scheme (POMIS) is for investors who want a fixed monthly income while preserving their principal. The interest rate is 7.4% per annum, which is transferred to the account every month.
Key highlights of the scheme
Minimum investment: ₹1,000
Maximum investment: ₹9 lakh (for individuals) and ₹15 lakh (for joint accounts)
Interest Rate: 7.4% per annum
Duration: 5 years
Monthly interest payments
TDS is not deducted
If a person invests ₹9 lakh, they receive a guaranteed monthly income of approximately ₹5,550. After 5 years, the entire amount is returned.
Post Office RD Scheme 2025
The Post Office Recurring Deposit (RD) scheme is for those who want to build a substantial corpus from small monthly savings. The interest rate ranges from 6.7% to 7.5%, and the tenure is 5 years. You can start with just ₹100 per month.
Features of the scheme
Fully government guaranteed scheme
Interest rate based on quarterly compounding
Account opening facility from ₹100
Nomination and loan facility
Loan up to 50% of the deposit amount after 1 year
If a person deposits ₹1,000 per month, they will earn a return of approximately ₹70,000 after five years. Meanwhile, a monthly investment of ₹25,000 can generate a corpus of approximately ₹17.74 lakh.
Desclaimer: For any financial invest anywhere on your own responsibility, Times Bull will not be responsible for it.