How to Earn 5,000 Monthly with One time Investment in POMIS

A step-by-step guide to earning Rs ₹5,000 monthly income through a post office savings account

A step-by-step guide to earning Rs ₹5,000 monthly income through a post office savings account

Millions of people in India opt for investment schemes where their money can remain safe. They for guaranteed returns, and a pension-like monthly income to cover their expenses. Some part of the population find government-backed schemes trustworthy despite their low returns with other benefits. One such government backed scheme is Post Office Saving Schemes, Earn ₹5000 monthly with one time investment in post office scheme

Read the blog, to know the ways the post office scheme helps you to double the money, and how you can earn ₹5000 monthly with one time investment in post office scheme

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What is a Post Office Scheme?

It is a pension scheme run by the Post office that stands as trusted and valued by millions of Indians. The Post Office scheme comes with a facility where you can open

A single account or a joint account for a maximum of one time. The table below shows the major details of the scheme.

Post office Monthly Income  Scheme Calculator Details

Minimum Amount ₹1000
Maximum Amount ₹9,00,000
Joint Account Limit ₹15,00,000
Interest Rate 7.4% p.a.
Lock-in Period 5 years

Office Saving Scheme Calculation for Different Amounts

This table provides a clear and concise overview of the post office saving scheme calculations for given investment amounts, monthly incomes, and interest rates:

Investment Amount Monthly Income Interest Rate
₹811 ₹5,001 7.4%
₹900 ₹5,550 7.4%
₹1,500 ₹9,250 7.4%

Now you can get a clear understanding of your post office monthly income in just a click with the post office monthly scheme calculator!

Post Office Saving Schemes Interest Rate

The Post Office savings scheme comes with distinct interest rates and tax implications. Here’s a table summarizing the current interest rates for various Post Office Savings Schemes.

Post Office Schemes Interest Rate Investment Amount
Post Office Savings Account 4.0% p.a. ₹500 onwards
National Savings Monthly Income Account 6.6% p.a (monthly deposits) ₹1,000 to ₹15 lakh (joint account)
National Savings Time Deposit Account 6.9%-7.5% ₹1,000 onwards
Public Provident Fund Account (PPF) 7.1% p.a. (compounded yearly) ₹500 to ₹1.5 lakh per financial year
Senior Citizen Savings Scheme Account 8.2% p.a. (compounded yearly) ₹1,000 to ₹30 lakh
Sukanya Samriddhli Account 8.0% p.a (compounded yearly) ₹250 to ₹1.5 lakh per financial year
Kisan Vikas Patra Account 7.5% p.a.(compounded yearly) ₹1,000 onwards

Now that you are aware of the major details of the Post Office savings scheme, here are other criteria that you should be aware of. Read further to know more about the eligibility criteria and documents required before you apply for the scheme.

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How to use the Post Office Saving Schemes Calculator?

Here is the quick way you can use the post office Monthly Income Scheme Calculator to estimate your earnings. Here’s how the POMIS calculator works:

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  • Input Your Investment: Enter the amount you’re considering investing in the scheme.
  • Lock-in Period: The investment period (5 years) stays fixed according to the scheme’s criteria.
  • Rate of interest: The calculator comes with an automatically determined interest rate, i.e. 7.4% p.a
  • Maturity Income: The total amount of monthly income will display after you input the total investment.

How Does the Post office Monthly Income Scheme Calculation Work?

The Post Office MIS is a popular investment scheme offered by the Indian government. This section provides a proper breakdown of how the post office scheme calculation works and how to get a monthly income of Rs 5,000.

Step 1: Determine the current interest rate for the Post Office MIS is 7.4% per annum, payable monthly.

Step 2: Calculate the values presented below to help understand the calculator better


Monthly Income Desired: Rs. 5,000

Annual Interest Rate: 7.4% or 0.074

Investment Amount = (Monthly Income × 12 months) / Annual Interest Rate

Investment Amount = (Rs. 5,000 × 12) / 0.074

Investment Amount = Rs. 8,10,810.81

So, by investing approximately Rs. 8,10,811 in the Post Office MIS, you can get a monthly income of Rs. 5,000 for the duration of the 5-year lock-in period. At the end of the 5 years, you will get your full principal amount back.

Note: Please note that the interest rates and other terms and conditions of the Post Office MIS are subject to change, so it’s important to check the latest details before making an investment decision.

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Why Invest in Post Office Scheme?

Along with the benefit of a one-time investment, the Post Office Scheme offers several advantages, making it a popular choice for every Indian citizen seeking secure and reliable investment options. Here are those key advantages:

Tax Benefits: Schemes like the Public Provident Fund (PPF) and National Saving Certificates (NSC), offer tax benefits under Section 80C of the Income Tax Act, helping to save on taxes.

Range of Schemes: The Post Office provides a variety of saving schemes catering to different financial goals and preferences, including long-term investments, like the Monthly Income Scheme (MIS), and more.

Low Risk: Post Office Saving Schemes are considered low-risk investments as the government backs them, providing a level of safety for investors.

Nomination Facility: Investors can easily nominate a family member or beneficiary, ensuring a smooth transfer of the investment in case of unforeseen circumstances.

Compounding Benefits: Many schemes compound interest, allowing investors to earn interest on the principal amount and on the accumulated interest, leading to significant growth over- time.

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Eligibility of Post Office Savings Scheme Account

Understanding these eligibility criteria and documents, you can be well-prepared to open a POMIS account and start earning a monthly income on your investment:

Factors Details
Nationality Indian
Age 10 years old to open an account in their names.
Identity Proof Aadhaar card, passport, or driving license.
Minimum Deposit:  ₹20 is required to open a Post Office Savings Account.

Note: Check the official India Post Website or the specific post for the latest information

Document Required For Post Office Saving Schemes

Ensure you have both original and photocopies of these documents for verification. The listicle below provides you with the documents to open a Post Office Saving Scheme:

Identity Proof Aadhaar card, Passport, Voter ID, Driving license, PAN card.
Address Proof Aadhaar card, Passport, Voter ID, Utility bills, Bank statement
Photograph: Passport-size photographs of the account holder(s)
Age Proof  Birth certificate, School leaving certificate, Passport.
Income Proof (optional) Salary Slips, Income tax returns, For, 16
Nomination Form Signed nomination form
Senior Citizen Certificate Age proof to confirm eligibility.
Other documents Documents establishing guardianship for accounts opened on behalf of minors.

Note: Check the official India Post Website or the specific post for latest information


The Post office saving scheme is a government-backed option for those looking to generate a stable monthly income without taking on significant risk. With guaranteed returns and it’s an investment worth considering, especially for those nearing retirement can Earn ₹5000 monthly with one time investment in post office scheme

Open your Post scheme savings today and start earning ₹5,000 per month!

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Frequently Asked Questions

Q. What is the post office scheme for 5000?
The Post Office Savings Account is the most suitable scheme for a deposit of ₹5,000.

Q. Which is the best monthly income scheme in the post office?
The Monthly Income Scheme (MIS) is the best monthly income scheme offered by the Post Office.

Q. Can I double my money in 5 years in Post Office?
No, it is not possible to double your money in 5 years through any post office scheme.

Q. Which post office scheme is best?
The best post office scheme depends on your financial goals and investment horizon.