{"id":18503,"date":"2026-04-01T18:45:55","date_gmt":"2026-04-01T18:45:55","guid":{"rendered":"https:\/\/techgurushiksha.in\/?p=18503"},"modified":"2026-04-01T19:00:29","modified_gmt":"2026-04-01T19:00:29","slug":"post-office-monthly-income-scheme","status":"publish","type":"post","link":"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/","title":{"rendered":"Post Office Monthly Income Scheme (POMIS) 2026: 7.4% Interest Rate, Calculator &amp; Complete Guide"},"content":{"rendered":"<p>If you want a completely safe way to earn fixed monthly income without worrying about market ups and downs, the <strong>Post Office Monthly Income Scheme (POMIS)<\/strong> remains one of the most trusted options in India. <\/p>\n\n\n\n<p>POMIS is one of India&#8217;s oldest and most dependable small savings instruments. It pays a fixed monthly interest on your deposit for five years, backed by the Government of India. No NAV risk. No credit risk. No fine print surprises buried in a 40-page insurance document.<\/p>\n\n\n\n<p>For retirees and middle-class families in places like Punjab, this scheme has long been a go-to for predictable cash flow. The current POMIS interest rate for 2026 stands at <strong>7.4% per annum<\/strong>, unchanged from the previous quarter. On a maximum individual deposit of \u20b99 lakh, that&#8217;s <strong>\u20b95,550 per month<\/strong> \u2014 every month, for five years.<\/p>\n\n\n\n<p>If you\u2019re searching for\u00a0<strong>&#8220;post office monthly income scheme&#8221;<\/strong>, you\u2019re likely looking for the same thing:\u00a0<strong>a zero-risk, fixed monthly payout<\/strong>\u00a0backed by a sovereign guarantee.<\/p>\n\n\n\n<p>This guide gives you:<br>&#x2705;\u00a0<strong>Current POMIS interest rate (7.4% for April-June 2026)<\/strong><br>&#x2705;\u00a0<strong>How to calculate your exact monthly payout<\/strong>\u00a0(with formula)<br>&#x2705;\u00a0<strong>Step-by-step account opening process<\/strong>\u00a0(online + offline)<br>&#x2705;\u00a0<strong>Premature withdrawal penalties<\/strong>\u00a0(and how to avoid them)<br>&#x2705;\u00a0<strong>POMIS vs. LIC monthly income plans<\/strong>\u00a0(which is better?)<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#What_Is_the_Post_Office_Monthly_Income_Scheme\" >What Is the Post Office Monthly Income Scheme?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#Key_Features_2026_Post_Office_Monthly_Income_Scheme\" >Key Features (2026): Post Office Monthly Income Scheme<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#Current_POMIS_Interest_Rate_in_2026_and_How_Much_You_Earn\" >Current POMIS Interest Rate in 2026 and How Much You Earn<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#How_to_Open_a_POMIS_Account_Step-by-Step\" >How to Open a POMIS Account: Step-by-Step<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#Eligibility_Account_Limits_and_Types\" >Eligibility, Account Limits and Types<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#Documents_Required_to_Open_a_POMIS_Account_2026\" >Documents Required to Open a POMIS Account (2026)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#Can_You_Withdraw_from_POMIS_Before_Maturity_Rules_and_Penalty_Math\" >Can You Withdraw from POMIS Before Maturity? Rules and Penalty Math<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#POMIS_vs_LIC_Monthly_Income_Plans_Which_is_Better\" >POMIS vs. LIC Monthly Income Plans (Which is Better?)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#POMIS_Tax_Treatment_What_Section_80C_Does_and_Doesnt_Cover\" >POMIS Tax Treatment: What Section 80C Does (and Doesn&#8217;t) Cover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#Best_Alternatives_to_POMIS_If_You_Want_Higher_Returns\" >Best Alternatives to POMIS (If You Want Higher Returns)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#Should_You_Choose_POMIS_in_2026_Pros_and_Cons_of_POMIS\" >Should You Choose POMIS in 2026? Pros and Cons of POMIS<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#FAQs\" >FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#1_What_is_the_POMIS_interest_rate_in_2026\" >1. What is the POMIS interest rate in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#Can_I_withdraw_from_POMIS_before_5_years\" >Can I withdraw from POMIS before 5 years?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#Is_POMIS_interest_taxable\" >Is POMIS interest taxable?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#What_is_the_maximum_deposit_limit_in_POMIS\" >What is the maximum deposit limit in POMIS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#Can_NRIs_invest_in_POMIS\" >Can NRIs invest in POMIS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/techgurushiksha.in\/ro\/post-office-monthly-income-scheme\/#Is_POMIS_better_than_a_bank_fixed_deposit\" >Is POMIS better than a bank fixed deposit?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_the_Post_Office_Monthly_Income_Scheme\"><\/span>What Is the Post Office Monthly Income Scheme?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>POMIS is a&nbsp;<strong>5-year fixed-income scheme<\/strong>&nbsp;offered by India Post, designed to provide&nbsp;<strong>monthly interest payouts<\/strong>&nbsp;to investors. It\u2019s&nbsp;<strong>100% risk-free<\/strong>&nbsp;(backed by the Government of India) and ideal for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Retirees<\/strong>\u00a0seeking steady income<\/li>\n\n\n\n<li><strong>Conservative investors<\/strong>\u00a0who avoid market risks<\/li>\n\n\n\n<li><strong>Middle-class earners<\/strong>\u00a0looking for guaranteed returns<\/li>\n<\/ul>\n\n\n\n<p>The Post Office Monthly Income Scheme (POMIS) offers 7.4% per annum interest in 2026. On a maximum individual deposit of \u20b99 lakh, you receive \u20b95,550 per month for five years. Joint accounts allow up to \u20b915 lakh, paying \u20b99,250 monthly. The principal is fully returned at maturity. Interest is taxable as per your income slab.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Features_2026_Post_Office_Monthly_Income_Scheme\"><\/span><strong>Key Features (2026): Post Office Monthly Income Scheme<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Feature<\/th><th>Details<\/th><\/tr><\/thead><tbody><tr><td><strong>Interest Rate<\/strong><\/td><td><strong>7.4% p.a.<\/strong>&nbsp;(April-June 2026)<\/td><\/tr><tr><td><strong>Tenure<\/strong><\/td><td>5 years (lock-in)<\/td><\/tr><tr><td><strong>Minimum Deposit<\/strong><\/td><td>\u20b91,000<\/td><\/tr><tr><td><strong>Maximum Deposit (Individual)<\/strong><\/td><td><strong>\u20b99 lakh<\/strong><\/td><\/tr><tr><td><strong>Maximum Deposit (Joint Account)<\/strong><\/td><td><strong>\u20b915 lakh<\/strong><\/td><\/tr><tr><td><strong>Monthly Payout<\/strong><\/td><td>Interest credited on the&nbsp;<strong>1st of every month<\/strong><\/td><\/tr><tr><td><strong>Tax Benefit<\/strong><\/td><td><strong>No tax exemption<\/strong>&nbsp;(interest is taxable)<\/td><\/tr><tr><td><strong>Premature Withdrawal<\/strong><\/td><td>Allowed after&nbsp;<strong>1 year<\/strong>&nbsp;(with penalty)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>You deposit a lump-sum amount once and receive interest every month for the next five years. At maturity you get your full principal back.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"551\" src=\"https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-1-1024x551.png\" alt=\"What Is the Post Office Monthly Income Scheme? | TechGuruSiksha\" class=\"wp-image-18505\" srcset=\"https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-1-1024x551.png 1024w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-1-300x161.png 300w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-1-600x323.png 600w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-1-768x413.png 768w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-1.png 1261w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>The scheme carries sovereign guarantee, which means zero credit risk. Interest is paid out directly into your linked savings account or handed over as cash, depending on the post office.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Current_POMIS_Interest_Rate_in_2026_and_How_Much_You_Earn\"><\/span>Current POMIS Interest Rate in 2026 and How Much You Earn<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As of April\u2013June 2026 the interest rate stands at <strong>7.4% per annum<\/strong>, paid monthly. The rate has stayed unchanged for several quarters and is reviewed every three months by the Ministry of Finance.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"446\" src=\"https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-1024x446.png\" alt=\"Current POMIS Interest Rate in 2026 \" class=\"wp-image-18504\" srcset=\"https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-1024x446.png 1024w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-300x131.png 300w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-600x261.png 600w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-768x335.png 768w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image.png 1242w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Monthly income formula (simple and exact): <strong>Monthly payout = (Principal \u00d7 7.4) \u00f7 1,200<\/strong><\/p>\n\n\n\n<p>Here are real examples for the most common deposit amounts:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Deposit Amount<\/th><th>Annual Interest<\/th><th>Monthly Income<\/th><\/tr><\/thead><tbody><tr><td>\u20b91,50,000<\/td><td>\u20b911,100<\/td><td>\u20b9925<\/td><\/tr><tr><td>\u20b93,00,000<\/td><td>\u20b922,200<\/td><td>\u20b91,850<\/td><\/tr><tr><td>\u20b95,00,000<\/td><td>\u20b937,000<\/td><td>\u20b93,083<\/td><\/tr><tr><td>\u20b99,00,000 (max single)<\/td><td>\u20b966,600<\/td><td>\u20b95,550<\/td><\/tr><tr><td>\u20b915,00,000 (max joint)<\/td><td>\u20b91,11,000<\/td><td>\u20b99,250<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>These figures come straight from the official 7.4% rate. The interest is calculated on the original principal every month and does not compound inside the account.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"551\" src=\"https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-2-1024x551.png\" alt=\"Use the\u00a0POMIS Calculator\u00a0to estimate your exact payout.\" class=\"wp-image-18506\" srcset=\"https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-2-1024x551.png 1024w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-2-300x161.png 300w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-2-600x323.png 600w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-2-768x413.png 768w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-2.png 1261w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Pro Tip:<\/strong><br>Use the\u00a0<strong><a href=\"https:\/\/techgurushiksha.in\/ro\/calculators\/post-office-mis-calculator\/\">POMIS Calculator<\/a><\/strong>\u00a0to estimate your exact payout.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Open_a_POMIS_Account_Step-by-Step\"><\/span>How to Open a POMIS Account: Step-by-Step<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can open a POMIS account at any Head Post Office or Sub Post Office across India. Online opening is also possible through the <strong>India Post Payments Bank (IPPB)<\/strong> mobile app if you already have a savings account linked.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"551\" src=\"https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-5-1024x551.png\" alt=\"How to Open a POMIS Account: Step-by-Step\" class=\"wp-image-18509\" srcset=\"https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-5-1024x551.png 1024w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-5-300x162.png 300w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-5-600x323.png 600w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-5-768x414.png 768w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-5.png 1261w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Option 1: Online Application (Fastest Method)<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Visit\u00a0<a href=\"https:\/\/ebanking.indiapost.gov.in\/\" target=\"_blank\" rel=\"noopener\">India Post eBanking<\/a><\/strong>\u00a0or\u00a0<strong><a href=\"https:\/\/web.umang.gov.in\/\" target=\"_blank\" rel=\"noopener\">UMANG App<\/a><\/strong>.<\/li>\n\n\n\n<li><strong>Log in<\/strong>\u00a0(or register if you don\u2019t have an account).<\/li>\n\n\n\n<li><strong>Select &#8220;Post Office Monthly Income Scheme (POMIS)&#8221;<\/strong>.<\/li>\n\n\n\n<li><strong>Fill in details<\/strong>\u00a0(name, PAN, Aadhaar, nominee).<\/li>\n\n\n\n<li><strong>Upload documents<\/strong>\u00a0(PAN, Aadhaar, passport-size photo).<\/li>\n\n\n\n<li><strong>Make payment<\/strong>\u00a0(via net banking\/UPI).<\/li>\n\n\n\n<li><strong>Receive confirmation<\/strong>\u00a0(account opened instantly).<\/li>\n<\/ol>\n\n\n\n<p><strong>Option 2: Offline Application (At Post Office)<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Visit your nearest post office<\/strong>\u00a0with:\n<ul class=\"wp-block-list\">\n<li><strong>PAN Card<\/strong>\u00a0(mandatory)<\/li>\n\n\n\n<li><strong>Aadhaar Card<\/strong>\u00a0(for KYC)<\/li>\n\n\n\n<li><strong>Passport-size photos<\/strong>\u00a0(2)<\/li>\n\n\n\n<li><strong>Cheque\/DD<\/strong>\u00a0(for deposit)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Fill Form-1<\/strong>\u00a0(POMIS application form).<\/li>\n\n\n\n<li><strong>Submit documents &amp; deposit amount<\/strong>.<\/li>\n\n\n\n<li><strong>Receive passbook<\/strong>\u00a0(account activated in 1-2 days).<\/li>\n<\/ol>\n\n\n\n<div class=\"wp-block-group has-background is-layout-constrained wp-block-group-is-layout-constrained\" style=\"background-color:#ebe9e9\">\n<p><strong>Note:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joint accounts<\/strong>\u00a0require all holders to be present.<\/li>\n\n\n\n<li><strong>Minors<\/strong>\u00a0can open an account (managed by a guardian).<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p>Monthly interest is credited directly to your linked post office savings account. You can then withdraw it, transfer it, or let it accumulate \u2014 the choice is yours.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Eligibility_Account_Limits_and_Types\"><\/span>Eligibility, Account Limits and Types<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Who can open<\/strong>: Indian residents above 18 years (or a guardian for minors above 10). Joint accounts can have up to three adults.<\/li>\n\n\n\n<li><strong>Minimum deposit<\/strong>: \u20b91,500<\/li>\n\n\n\n<li><strong>Maximum deposit<\/strong>: \u20b99 lakh (single account) \/ \u20b915 lakh (joint account)<\/li>\n\n\n\n<li><strong>Tenure<\/strong>: 5 years (non-renewable in the same account; you can reinvest the principal elsewhere at maturity)<\/li>\n<\/ul>\n\n\n\n<p>Nomination is mandatory at opening and can cover up to four nominees.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documents_Required_to_Open_a_POMIS_Account_2026\"><\/span><strong>Documents Required to Open a POMIS Account (2026)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>To comply with current Know Your Customer (KYC) regulations, you must physically present the original documents for verification at the post office counter alongside self-attested photocopies.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Duly Filled Application Form:<\/strong> You can obtain this at the branch or download the latest POMIS account opening form directly from the India Post web portal.<\/li>\n\n\n\n<li><strong>Primary Financial Identity (Mandatory):<\/strong> Your Permanent Account Number (PAN) Card. (If you do not possess a PAN card, Form 60 must be submitted, and the PAN must be provided within six months).<\/li>\n\n\n\n<li><strong>Address &amp; Identity Proof:<\/strong> Your Aadhaar Card is the standard requirement. If unavailable, you may substitute it with a valid Passport, Voter ID, or Driving License.<\/li>\n\n\n\n<li><strong>Photographs:<\/strong> Two to three recent passport-sized color photographs.<\/li>\n\n\n\n<li><strong>Post Office Savings Account Passbook:<\/strong> A standard post office savings account is mandatory to route the monthly interest payouts. If you already have one, bring the passbook to link the accounts.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_You_Withdraw_from_POMIS_Before_Maturity_Rules_and_Penalty_Math\"><\/span>Can You Withdraw from POMIS Before Maturity? Rules and Penalty Math<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>POMIS has a\u00a0<strong>5-year lock-in<\/strong>, but you can withdraw early\u00a0<strong>after 1 year<\/strong>\u2014with penalties.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Withdrawal After<\/strong><\/th><th><strong>Penalty<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>1 to 3 years<\/strong><\/td><td><strong>2% deduction<\/strong>&nbsp;from principal<\/td><\/tr><tr><td><strong>3 to 5 years<\/strong><\/td><td><strong>1% deduction<\/strong>&nbsp;from principal<\/td><\/tr><tr><td><strong>After 5 years<\/strong><\/td><td><strong>No penalty<\/strong>&nbsp;(full amount refunded)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Real Example:<br><\/strong>If you withdraw\u00a0<strong>\u20b95 lakh after 2 years<\/strong>, you\u2019ll get:<br><strong>\u20b95,00,000 \u2013 (2% of \u20b95,00,000) = \u20b94,90,000<\/strong><\/p>\n\n\n\n<p><strong>Exceptions (No Penalty):<\/strong><br>&#x2714;&nbsp;<strong>Death of account holder<\/strong>&nbsp;(nominee gets full amount)<br>&#x2714;&nbsp;<strong>Medical emergencies<\/strong>&nbsp;(with valid proof)<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"551\" src=\"https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-3-1024x551.png\" alt=\"Can You Withdraw from POMIS Before Maturity? Rules and Penalty Math\" class=\"wp-image-18507\" srcset=\"https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-3-1024x551.png 1024w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-3-300x162.png 300w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-3-600x323.png 600w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-3-768x414.png 768w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-3.png 1261w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>We have seen many families underestimate this penalty when liquidity needs arise, so plan the five-year horizon carefully.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"POMIS_vs_LIC_Monthly_Income_Plans_Which_is_Better\"><\/span><strong>POMIS vs. LIC Monthly Income Plans (Which is Better?)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Many investors compare POMIS with LIC&#8217;s fixed income plans (specifically LIC Jeevan Akshay or LIC&#8217;s annuity products) when seeking monthly payouts. Here&#8217;s how they stack up:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Parameter<\/th><th>POMIS (Post Office)<\/th><th>LIC Jeevan Shanti (typical annuity)<\/th><\/tr><\/thead><tbody><tr><td>Interest \/ Payout<\/td><td>Fixed 7.4% monthly<\/td><td>Age-dependent annuity rate (usually 6\u20138% effective)<\/td><\/tr><tr><td>Minimum investment<\/td><td>\u20b91,500<\/td><td>\u20b91.5 lakh<\/td><\/tr><tr><td>Maximum investment<\/td><td>\u20b99L single \/ \u20b915L joint<\/td><td>No upper limit<\/td><\/tr><tr><td>Principal returned<\/td><td>Yes, full at maturity<\/td><td>Usually not (pure annuity) or optional<\/td><\/tr><tr><td>Tax benefit on deposit<\/td><td>None<\/td><td>Premium qualifies under 80C<\/td><\/tr><tr><td>Risk<\/td><td>Sovereign guarantee<\/td><td>Insurance company backed<\/td><\/tr><tr><td>Liquidity<\/td><td>Penalty after 1 year<\/td><td>Surrender charges apply<\/td><\/tr><tr><td>Monthly income starts<\/td><td>Immediately<\/td><td>Can be deferred<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>The key difference:<\/strong> LIC annuity products are designed for lifetime income \u2014 once you buy, your capital is typically gone (converted to income stream). POMIS returns your capital after 5 years, giving you flexibility to reinvest, redirect, or close the loop.<\/p>\n\n\n\n<p><strong>Verdict:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Choose POMIS<\/strong>\u00a0if you want\u00a0<strong>higher returns, shorter tenure, and zero risk<\/strong>.<\/li>\n\n\n\n<li><strong>Choose LIC<\/strong>\u00a0if you need\u00a0<strong>tax benefits and longer-term security<\/strong>.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"551\" src=\"https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-4-1024x551.png\" alt=\"POMIS vs. LIC Monthly Income Plans (Which is Better?)\" class=\"wp-image-18508\" srcset=\"https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-4-1024x551.png 1024w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-4-300x162.png 300w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-4-600x323.png 600w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-4-768x414.png 768w, https:\/\/techgurushiksha.in\/wp-content\/uploads\/2026\/04\/image-4.png 1261w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"POMIS_Tax_Treatment_What_Section_80C_Does_and_Doesnt_Cover\"><\/span>POMIS Tax Treatment: What Section 80C Does (and Doesn&#8217;t) Cover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This is the most common misconception about POMIS.<\/p>\n\n\n\n<p><strong>POMIS does NOT qualify for Section 80C deduction.<\/strong> The deposit amount cannot be claimed as a deduction from your taxable income.<\/p>\n\n\n\n<p>The interest earned, however, is taxable under &#8220;Income from Other Sources&#8221; at your applicable income tax slab rate. There is no TDS deducted by the post office on POMIS interest \u2014 but that does not mean the income is tax-free. You must declare it in your ITR each year.<\/p>\n\n\n\n<p><strong>For retirees whose total income falls below the basic exemption limit (\u20b93 lakh for seniors under new regime, \u20b93.5 lakh for very senior citizens), the POMIS interest will effectively be tax-free<\/strong> \u2014 not by design, but because their overall income doesn&#8217;t cross the taxable threshold.<\/p>\n\n\n\n<p>For higher-income individuals in the 30% slab, the effective post-tax yield at 7.4% drops to approximately 5.18%. At that point, <a href=\"https:\/\/scripbox.com\/fd\/monthly-income-scheme\/\" target=\"_blank\" rel=\"noopener\">tax-efficient alternatives<\/a> like <strong>SCSS (Senior Citizen Savings Scheme)<\/strong> \u2014 which offers 8.2% and qualifies under 80C \u2014 may offer better net returns.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_Alternatives_to_POMIS_If_You_Want_Higher_Returns\"><\/span><strong>Best Alternatives to POMIS (If You Want Higher Returns)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you\u2019re open to&nbsp;<strong>slightly higher risk<\/strong>&nbsp;for better returns, consider:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Senior Citizen Savings Scheme (SCSS)<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Interest Rate:<\/strong>\u00a0<strong>8.2% (2026)<\/strong><\/li>\n\n\n\n<li><strong>Tenure:<\/strong>\u00a05 years<\/li>\n\n\n\n<li><strong>Tax Benefit:<\/strong>\u00a0<strong>Yes (under Section 80C)<\/strong><\/li>\n\n\n\n<li><strong>Best For:<\/strong>\u00a0Retirees (60+ years)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Pradhan Mantri Vaya Vandana Yojana (PMVVY)<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Interest Rate:<\/strong>\u00a0<strong>7.4% (2026)<\/strong><\/li>\n\n\n\n<li><strong>Tenure:<\/strong>\u00a010 years<\/li>\n\n\n\n<li><strong>Tax Benefit:<\/strong>\u00a0<strong>No<\/strong><\/li>\n\n\n\n<li><strong>Best For:<\/strong>\u00a0Senior citizens (60+)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Corporate Fixed Deposits (Bajaj Finance, HDFC, etc.)<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Interest Rate:<\/strong>\u00a0<strong>7.5%\u20138.5%<\/strong><\/li>\n\n\n\n<li><strong>Tenure:<\/strong>\u00a01\u20135 years<\/li>\n\n\n\n<li><strong>Risk:<\/strong>\u00a0<strong>Moderate (not government-backed)<\/strong><\/li>\n\n\n\n<li><strong>Best For:<\/strong>\u00a0Investors willing to take\u00a0<strong>slightly higher risk<\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Should_You_Choose_POMIS_in_2026_Pros_and_Cons_of_POMIS\"><\/span>Should You Choose POMIS in 2026? Pros and Cons of POMIS<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>POMIS makes the most sense if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You have a lump sum of \u20b93 lakh or more earning less than 7.4% elsewhere<\/li>\n\n\n\n<li>You need predictable monthly cash flow (pension supplement, household expenses)<\/li>\n\n\n\n<li>You are in a lower income tax bracket where the taxable interest is less of a concern<\/li>\n\n\n\n<li>You want zero credit risk with full principal protection<\/li>\n<\/ul>\n\n\n\n<p>It makes less sense if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You are in the 30% tax bracket \u2014 the post-tax yield shrinks considerably<\/li>\n\n\n\n<li>You are above 60 \u2014 SCSS at 8.2% is simply better<\/li>\n\n\n\n<li>You need liquidity within 1\u20132 years \u2014 the premature withdrawal rules are punishing<\/li>\n<\/ul>\n\n\n\n<p><strong>Pros of POMIS<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Zero risk, government guarantee<\/li>\n\n\n\n<li>Predictable monthly cash flow<\/li>\n\n\n\n<li>Simple paperwork<\/li>\n\n\n\n<li>Easy to open anywhere in India<\/li>\n<\/ul>\n\n\n\n<p><strong>Cons<\/strong> <strong>of POMIS<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Interest fully taxable<\/li>\n\n\n\n<li>Five-year lock-in with early-exit penalty<\/li>\n\n\n\n<li>Maximum limits cap total income<\/li>\n\n\n\n<li>Rate can change every quarter (though it has been stable)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The\u00a0<strong>Post Office Monthly Income Scheme (POMIS)<\/strong>\u00a0is one of the\u00a0<strong>safest ways to earn a fixed monthly income<\/strong>\u00a0in India. With a\u00a0<strong>7.4% interest rate (2026)<\/strong>,\u00a0<strong>\u20b99 lakh individual limit<\/strong>, and\u00a0<strong>government backing<\/strong>, it\u2019s ideal for\u00a0<strong>retirees and conservative investors<\/strong>.<\/p>\n\n\n\n<p><strong>Next Steps:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Calculate your monthly payout<\/strong>\u00a0using the\u00a0<a href=\"https:\/\/groww.in\/calculators\/post-office-monthly-income-scheme-calculator\" target=\"_blank\" rel=\"noopener\">POMIS Calculator<\/a>.<\/li>\n\n\n\n<li><strong>Compare with SCSS\/PMVVY<\/strong>\u00a0if you\u2019re a senior citizen.<\/li>\n\n\n\n<li><strong>Open an account online<\/strong>\u00a0via\u00a0<a href=\"https:\/\/ebanking.indiapost.gov.in\/\" target=\"_blank\" rel=\"noopener\">India Post eBanking<\/a>.<\/li>\n<\/ol>\n\n\n\n<p>For the latest small-savings rates and more retirement-income guides, bookmark <a href=\"https:\/\/techgurushiksha.in\/ro\/\" data-type=\"page\" data-id=\"9\">TechGuruShiksha.in<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list\">\n<div id=\"faq-question-1775066075343\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\"><span class=\"ez-toc-section\" id=\"1_What_is_the_POMIS_interest_rate_in_2026\"><\/span>1. <strong>What is the POMIS interest rate in 2026?<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer\">\n\n<p>The POMIS interest rate for Q1 FY 2026-27 (April\u2013June 2026) is 7.4% per annum. This is reviewed quarterly by the Ministry of Finance and is subject to change, though it has remained stable for several quarters.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775066102965\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\"><span class=\"ez-toc-section\" id=\"Can_I_withdraw_from_POMIS_before_5_years\"><\/span><strong>Can I withdraw from POMIS before 5 years?<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer\">\n\n<p>Yes, but not before completing one year. After 1 year and before 3 years, a 2% penalty is deducted from your principal. After 3 years and before 5 years, the penalty is 1%. Interest already received monthly is not affected.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775066119081\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\"><span class=\"ez-toc-section\" id=\"Is_POMIS_interest_taxable\"><\/span><strong>Is POMIS interest taxable?<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer\">\n\n<p>Yes. POMIS interest is taxable under &#8220;Income from Other Sources&#8221; at your applicable slab rate. No TDS is deducted by the post office, but you must report it in your ITR. It does not qualify for Section 80C deduction.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775066138173\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\"><span class=\"ez-toc-section\" id=\"What_is_the_maximum_deposit_limit_in_POMIS\"><\/span><strong>What is the maximum deposit limit in POMIS?<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer\">\n\n<p>\u20b99 lakh for an individual account and \u20b915 lakh for a joint account. A single individual can hold one individual account and also be part of a joint account, but their combined share across all accounts must not exceed \u20b99 lakh.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775066170763\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\"><span class=\"ez-toc-section\" id=\"Can_NRIs_invest_in_POMIS\"><\/span><strong>Can NRIs invest in POMIS?<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer\">\n\n<p>No, POMIS is available only to Indian resident individuals. NRIs are not eligible to open a new POMIS account. Existing accounts opened before NRI status was acquired may be allowed to run to maturity subject to specific RBI guidelines.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1775066195965\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\"><span class=\"ez-toc-section\" id=\"Is_POMIS_better_than_a_bank_fixed_deposit\"><\/span><strong>Is POMIS better than a bank fixed deposit?<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer\">\n\n<p>For risk-averse investors, POMIS has the advantage of a full sovereign guarantee (versus DICGC cover of only \u20b95 lakh in bank FDs). The 7.4% rate is also competitive with most public sector bank FD rates. However, bank FDs offer more flexibility in tenure and payout options.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p>Have a question about whether POMIS fits your current financial situation \u2014 or want us to run the numbers for a specific deposit amount? Leave a comment below and we&#8217;ll respond.<\/p>\n\n\n\n<p>For more data-backed breakdowns of small savings schemes, fixed income instruments, and zero-risk investing strategies for the Indian market, subscribe to the TechGuruShiksha newsletter.<\/p>\n\n    <div class=\"xs_social_share_widget xs_share_url after_content \t\tmain_content  wslu-style-1 wslu-share-box-shaped wslu-fill-colored wslu-none wslu-share-horizontal wslu-theme-font-no wslu-main_content\">\n\n\t\t\n        <ul>\n\t\t\t        <\/ul>\n    <\/div>","protected":false},"excerpt":{"rendered":"<p>If you want a completely safe way to earn fixed monthly income without worrying about market ups and downs, the Post Office Monthly Income Scheme (POMIS) remains one of the most trusted options in India. POMIS is one of India&#8217;s oldest and most dependable small savings instruments. It pays a fixed monthly interest on your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18510,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_gspb_post_css":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"enableOnePageScrollInPage":false,"onePageScrollCss":"","onePageScrollSpeed":1000,"onePageScrollAnimation":"easeInOutQuad","onePageScrollShowDotNavigation":true,"onePageScrollNavigation":"scaleUp","onePageScrollNavigationPosition":"right","onePageScrollNavigationHorizontal":[],"onePageScrollNavigationVertical":[],"onePageScrollNavigationSpacing":[],"onePageScrollNavigationColor":"#00ff0d","onePageScrollNavigationColorHover":"#00ff0d","onePageScrollNavigationColorActive":"#00ff0d","onePageScrollNavigationIcon":[],"onePageScrollNavigationWidth":[],"onePageScrollNavigationWidthHover":[],"onePageScrollNavigationWidthActive":[],"onePageScrollNavigationHeight":[],"onePageScrollNavigationHeightHover":[],"onePageScrollNavigationHeightActive":[],"onePageScrollNavigationBorder":[],"onePageScrollNavigationBorderHover":[],"onePageScrollNavigationBorderActive":[],"onePageScrollNavigationBorderRadius":[],"onePageScrollNavigationBorderRadiusHover":[],"onePageScrollNavigationBorderRadiusActive":[],"onePageScrollNavigationTooltipTypography":[],"onePageScrollNavigationTooltipColor":"#ffffff","onePageScrollNavigationTooltipColorHover":"","onePageScrollNavigationTooltipBgColor":"#00ff0d","onePageScrollNavigationTooltipBgColorHover":"","onePageScrollNavigationTooltipPadding":[],"onePageScrollNavigationTooltipPaddingHover":[],"onePageScrollNavigationTooltipBorderRadius":[],"onePageScrollNavigationTooltipBorderRadiusHover":[],"pageSettingsCustomCss":"","_daim_seo_power":"","_daim_enable_ail":"","footnotes":""},"categories":[105,84],"tags":[222,218,216,217,224,221,219,215,220,223,170],"class_list":["post-18503","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-government","category-digital-india","tag-fixed-passive-income-india","tag-monthly-income-scheme-post-office","tag-pomis-calculator","tag-pomis-interest-rate-2026","tag-pomis-tax-exemption-rules","tag-pomis-vs-lic","tag-pomis-withdrawal-rules","tag-post-office-monthly-income-scheme","tag-post-office-schemes-2026","tag-post-office-9-lakh-limit","tag-techgurushiksha"],"blocksy_meta":[],"acf":[],"_links":{"self":[{"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/posts\/18503","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/comments?post=18503"}],"version-history":[{"count":3,"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/posts\/18503\/revisions"}],"predecessor-version":[{"id":18513,"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/posts\/18503\/revisions\/18513"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/media\/18510"}],"wp:attachment":[{"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/media?parent=18503"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/categories?post=18503"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/techgurushiksha.in\/ro\/wp-json\/wp\/v2\/tags?post=18503"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}