POMIS Calculator
Estimate POMIS monthly income, total five-year interest and principal returned, using single/joint account limits and an adjustable scheme rate.
ఇక్కడ ప్రారంభించండి
- ఏమి నమోదు చేయాలి
- పోస్టాఫీస్ నెలవారీ ఆదాయ పథకం డిపాజిట్, ఖాతా ప్రారంభానికి వర్తించే వార్షిక వడ్డీ నమోదు చేయండి.
- ఫలితం అర్థం
- నెల ఆదాయం వడ్డీ మాత్రమే; అసలు డిపాజిట్ మెచ్యూరిటీలో విడిగా వస్తుంది.
ఉదాహరణ, పరిమితులు చూడండి
- సులభ ఉదాహరణ
- ₹3 లక్షలకు నమూనా 7.4%తో పన్నుకు ముందు నెలకు ₹1,850 వస్తుంది.
- గుర్తుంచుకోండి
- డిఫాల్ట్ రేటు జూలై–సెప్టెంబర్ 2026కు మాత్రమే నిర్ధారించబడింది. ప్రారంభ త్రైమాసిక రేటు, అర్హత, పరిమితి చూడండి. వడ్డీకి పన్ను వర్తిస్తుంది; చక్రవడ్డీ లేదు.
మీ ఫలితాన్ని లెక్కించండి
మీ సంఖ్యలు నమోదు చేయండి. మార్చినప్పుడు అంచనా, చార్ట్‌లు నవీకరించబడతాయి.
పోస్ట్ ఆఫీస్ నెలవారీ ఆదాయ పథకం
కాలం 5 సంవత్సరాలకు స్థిరం. మెచ్యూరిటీ వద్ద అప్పటి ప్రస్తుత రేటుతో పునర్‌పెట్టుబడి చేయండి.
డిఫాల్ట్ రేట్లు జూలై–సెప్టెంబర్ 2026 కోసం మాత్రమే ధృవీకరించబడ్డాయి. అక్టోబర్–డిసెంబర్ 2026 రేట్లు ధృవీకరించబడలేదు; ఖాతా తెరిచే తేదీన వర్తించే రేటును నిర్ధారించుకోండి. భవిష్యత్ రేట్లు మారవచ్చు.
వడ్డీ నెలనెలా చెల్లిస్తారు; చక్రవడ్డీ కాదు. అసలు 5 సంవత్సరాల తర్వాత తిరిగి వస్తుంది; మొత్తాలు పన్నుకు ముందు. ఉమ్మడి నిల్వలు ప్రతి ఖాతాదారు ₹9 లక్షల మొత్తం పరిమితిలో సమానంగా లెక్కిస్తారు.
- నెలవారీ చెల్లింపు
- ₹5,550
- సంవత్సరానికి ₹66,600
- మొత్తం వడ్డీ (5 సం)
- ₹3,33,000
- ₹3.33L
- అసలు తిరిగి
- ₹9,00,000
మీ లెక్కలు ఏమి చెబుతున్నాయి
Over 5 years you receive ₹3.33L in interest, 37% of your deposit.
Interest is paid out every month, so it does not compound unless you reinvest it, for example in a recurring deposit.
Your ₹9L principal will be worth about ₹6.73L in today's money at maturity.
The deposit itself does not grow (assuming 6% yearly inflation), so reinvest part of the payout to protect its buying power.
A joint account could raise your payout to ₹9,250 a month.
Joint accounts allow deposits up to ₹15 lakh, versus ₹9 lakh for a single account.
నెలవారీ వడ్డీ ఇతర మూలాల ఆదాయంగా మీ స్లాబ్‌లో పన్నుకు లోబడి ఉంటుంది. పోస్ట్ ఆఫీస్‌లో POMIS-పై TDS లేదు.
మీ లెక్కను అర్థం చేసుకోండి
POMIS is a five-year government savings deposit paying interest every month, not a compounding investment. Deposit limits are ₹9 lakh for a single account and ₹15 lakh for a joint account, subject to each holder's overall scheme limit. The default 7.4 percent is verified for July–September 2026 only, not October–December. Principal is returned at maturity.
ఒక్క చూపులో ప్రయోజనాలు
Monthly payout at the notified rate
The 7.4 percent default is verified for July–September 2026. Monthly interest equals principal times rate divided by twelve, rounded to the nearest rupee; annual and total income sum these rounded payments. Unclaimed monthly interest does not itself earn more interest in POMIS.
Joint account up to ₹15 lakh
Single account cap is ₹9,00,000. A joint account by up to three adults can hold up to ₹15,00,000 with the income shared equally.
Sovereign safety, fixed tenure
POMIS carries the Government of India guarantee. There is no market risk and the rate is locked at the time of deposit for the full five year term.
Lower minimum than most income products
Open with as little as ₹1,000. Useful for parents and grandparents who want to set up a small monthly inflow without a large lump sum.
Free, private and instant
Inputs never leave your browser. No login, no email, no tracking.
POMIS Calculator ను ఎలా ఉపయోగించాలి
- 1
Enter the deposit amount
Up to ₹9,00,000 in a single account or ₹15,00,000 in a joint account, in multiples of ₹1,000. The minimum is ₹1,000. Pick the amount based on the monthly income you need at the prevailing rate.
- 2
Confirm the tenure
POMIS has a fixed five year tenure. The calculator does not allow shorter or longer terms. After maturity, the deposit can be reinvested in a fresh POMIS at the rate then prevailing.
- 3
Adjust the interest rate if needed
7.4 percent is verified for July–September 2026 only. Confirm the notification applicable on your deposit date. The opening-date rate is locked for five years; a new account after maturity can have a different rate.
- 4
Read the payout schedule
The result card shows the monthly payout, the annual cash flow it generates, the total interest over the five year term and the principal returned at maturity.
ఉదాహరణ
₹9 lakh single account at 7.4%
The monthly payout is `round(9,00,000 × 7.4 ÷ 100 ÷ 12)` = ₹5,550. That's ₹66,600 a year and ₹3,33,000 over the 60-month term, after which the ₹9,00,000 comes back. A joint account at the ₹15 lakh cap pays ₹9,250 a month, or ₹5,55,000 over five years.
- Deposit
- ₹9,00,000 (single-account cap)
- Rate and tenure
- 7.4%, 5 years (60 months)
- Monthly payout
- ₹5,550
- Annual payout
- ₹66,600
- Total interest
- ₹3,33,000
- Principal returned
- ₹9,00,000
Rounding matters at odd amounts: ₹5,00,000 gives `round(3,083.33)` = ₹3,083 a month, so the five-year total is ₹1,84,980 rather than ₹1,85,000.
ఇది ఎలా లెక్కించబడుతుంది
POMIS pays simple interest every month: monthly payout = round(deposit × rate ÷ 100 ÷ 12). The tenure is fixed at five years, or 60 months. If the deposit you type is above the single (₹9 lakh) or joint (₹15 lakh) cap you selected, the calculator uses the cap instead.
Annual payout is monthly payout × 12 and total interest is monthly payout × 60, both built from the rounded monthly figure. Maturity equals the deposit, because nothing is compounded or added to principal. Tax, premature-closure deductions and any reinvestment of the payouts sit outside the calculation.
తరచుగా అడిగే ప్రశ్నలు
What is the current POMIS interest rate?
The rate verified here is 7.4 percent for July–September 2026. October–December 2026 has not been verified. Interest is paid monthly and rounded to rupees; the opening-date rate applies throughout the five-year term.
What is the maximum deposit in POMIS?
A single account can hold ₹9 lakh and a joint account with up to three adults ₹15 lakh. Joint balances are shared equally for each person's overall ₹9 lakh limit across all their POMIS accounts. The calculator enforces the selected account cap but cannot check other accounts.
Is POMIS interest taxable?
Monthly interest is taxable at the depositor's slab rate. POMIS does not qualify for Section 80C and interest ordinarily has no TDS under the applicable scheme exemption. This does not make it tax-free: report and pay the final tax due.
Can I withdraw POMIS before maturity?
Yes, with a penalty. Premature closure within the first year is not allowed. Closure after one year but before three years forfeits 2 percent of the deposit. Closure between three and five years forfeits 1 percent. The remaining principal is returned to the depositor.
POMIS versus SCSS, which is better for retirees?
SCSS currently pays a higher rate (8.2 percent versus 7.4 percent) and allows a larger deposit (₹30 lakh per individual versus ₹9 lakh for POMIS). However SCSS is restricted to those above 60 (with limited exceptions). POMIS has no age restriction and is available to anyone, including non senior citizens, which makes it useful for younger investors who want monthly cash flow.
Can NRIs invest in POMIS?
No. POMIS is restricted to resident Indian individuals. Existing accounts opened while resident continue until maturity, but no new POMIS can be opened after becoming an NRI.
Can I auto credit POMIS interest to a recurring deposit?
Yes. Many savers route the monthly POMIS interest into a five year post office RD to compound the income further. The post office offers a standing instruction for this transfer at no extra charge.
చివరి మాట
POMIS is a quietly useful monthly income product backed by the Government of India. The calculator shows the exact monthly payout, the total interest over five years and the principal returned at maturity. Use it to size the deposit for a specific spending need and to compare POMIS against SCSS, FDs and SWP. Verify the numbers and the tax treatment with a qualified financial advisor before committing.
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