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Post Office Monthly Income Scheme (POMIS) Calculator India

Estimate monthly income from a Post Office Monthly Income Scheme deposit.

Written and reviewed by RupeeKit Editorial TeamLast reviewed 8 August 2026Report a correction

Official update: Jul-Sep 2026 small-savings rates

Illustration of a red Indian post office letterbox with a steady stream of coins representing monthly income scheme payouts
Illustration of a red Indian post office letterbox with a steady stream of coins representing monthly income scheme payouts

Educational estimate only

Results can vary based on company policy, lender terms, tax law, and personal assumptions.

See the Source and methodology section below for details.

Enter your values

Estimated results

Estimated monthly interest

₹5,550

Estimated annual interest

₹66,600

Total interest over tenure

₹3,33,000

Principal returned at maturity

₹9,00,000

This calculator gives an educational estimate. Verify final numbers with your payslip, lender, tax advisor or official source.

Result visual

Relative view of your key outputs. Exact values are listed with each bar.

Inputs used in this result
Deposit amount
9,00,000 ₹
POMIS interest rate
7.4 % p.a.
Tenure
5 years

Share/print output contains user-entered values and educational estimates only. Verify important decisions with the relevant official source or professional.

💡 Educational Estimates Only

This visual breakdown and compounding model is for educational understanding only. Actual outcomes can vary depending on interest accrual dates, taxation brackets, processing fees, and individual employer/lender terms.

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The link contains only the values you explicitly entered. RupeeKit does not send those values as analytics event parameters.

Post Office Monthly Income Scheme (POMIS) Calculator India Quick Answer

Quick Answer

How does the Post Office Monthly Income Scheme (POMIS) Calculator India work? It estimates Estimated monthly interest, Estimated annual interest, and Total interest over tenure from inputs such as Deposit amount, POMIS interest rate, and Tenure using the formula shown on this page.

Formula

Monthly interest is deposit × annual interest rate ÷ 12.

Example

₹9 lakh at 7.

Educational estimate only. RupeeKit does not provide personalized financial, tax, legal, investment, or loan advice.

Answer Engine Summary

This calculator estimates Estimated monthly interest, Estimated annual interest, Total interest over tenure, and Principal returned at maturity using Deposit amount, POMIS interest rate, and Tenure. Monthly interest is deposit × annual interest rate ÷ 12. Results are educational estimates only and should be verified with official records, lender statements, payroll data, or filing utilities where applicable.

Formula used

Monthly interest is deposit × annual interest rate ÷ 12. Interest is treated as a payout rather than reinvested compounding.

Example calculation

₹9 lakh at 7.4% gives an estimated ₹5,550 monthly interest payout.

Source and methodology

Last reviewed: August 2026

This calculator uses the formula and assumptions described on this page. Monthly interest is deposit × annual interest rate ÷ 12. Values are calculated in-browser from user-entered inputs and are not saved by default. Verify tax, regulatory, lender, scheme or product rules with the relevant official source where applicable.

Educational estimate only. RupeeKit does not provide personalized financial, investment, legal, tax or loan advice.

Related calculators and guides

You can cross-check this estimate using: salary in-hand calculator, Old vs New Tax Regime Calculator, 80C deduction calculator, EMI calculator, ITR-2 filing guide, emergency fund guide.

When this tool is useful

  • When you want a fast estimate before making a financial or salary decision.
  • When you want to compare different assumptions in seconds.
  • When you want to understand the formula behind the result.

Calculator Facts

TopicRupeeKit explanation
Calculation typeFormula-based educational estimate from user-entered values
Key inputsDeposit amount, POMIS interest rate, and Tenure
Primary outputsEstimated monthly interest, Estimated annual interest, and Total interest over tenure
Method referenceMonthly interest is deposit × annual interest rate ÷ 12.
PrivacyValues are processed in the browser and are not saved by default.

FAQs

What is the POMIS rate for July-September 2026?

The National Savings Institute lists 7.4% per annum for the July-September 2026 quarter.

What is the maximum POMIS deposit?

The current ceiling is ₹9 lakh for a single account and ₹15 lakh for a joint account.