When it comes to safe investments in India, the Post Office Monthly Income Scheme (POMIS) always stands out. For decades, lakhs of Indians have trusted the Post Office for their savings, and in 2025, it still continues to be a popular option for those looking for a guaranteed monthly return with minimal risk.
In this blog, I’ll share my personal journey of investing in the Indian Post Office Monthly Income Scheme, why I chose it, what I learned during the process, and who should ideally consider this plan. If you prefer watching instead of reading, you can check out my detailed video on the same topic on my YouTube channel BeWithPrem.
Why I Chose Post Office Monthly Income Scheme
For years, I have been balancing between mutual funds, digital savings accounts, and government-backed schemes. But I always felt the need for something secure, predictable, and stress-free—something that could give me a fixed monthly payout without worrying about market ups and downs.
That’s when I decided to try POMIS.
Here’s what attracted me:
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Backed by the Government of India
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Guaranteed interest every month
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A safe choice for retirees, homemakers, and risk-averse investors
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Easy to open through India Post Offices or IPPB (India Post Payments Bank)
For someone like me, who likes stability in at least a part of my portfolio, POMIS was a no-brainer.
My Experience with POMIS
I visited my local India Post Office branch and opened an account. The process was simple, and the staff guided me throughout. Once my account was active, I started receiving monthly credits directly. Unlike market-linked investments, I didn’t have to keep checking returns—everything was on autopilot.
What I personally liked the most is the discipline this scheme creates. You know exactly how much you’ll receive each month, which helps in budgeting and financial planning.
Another thing I realized is that this scheme is best suited for conservative investors. If you’re someone who doesn’t want sleepless nights worrying about market crashes, this is perfect.
Who Should Consider This Scheme?
Based on my experience, here’s who should definitely consider the Post Office Monthly Income Scheme:
✅ Retirees & Senior Citizens – They need monthly fixed income without risk.
✅ Homemakers – Can use this scheme to create an independent income stream.
✅ Parents & Guardians – Ideal for setting up a safe investment for kids.
✅ Middle-class families – Great for those looking for stable and safe returns.
✅ First-time investors – If you’re new to investing, POMIS gives you confidence with its assured returns.
My Tips for POMIS Investors
From my journey, here are some tips that may help you:
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Don’t invest everything here – Keep a balanced portfolio with mutual funds, digital savings, and gold along with POMIS.
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Plan withdrawals smartly – Use the monthly income for recurring bills or reinvest in other safe instruments.
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Use a joint account if you’re planning for family income security.
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Stay updated – Check for revised interest rates every financial year.
How I Balanced POMIS with Other Options
Along with my Post Office account, I also explored digital savings accounts and mutual fund micro-investments.
For example:
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I opened a Kotak 811 Digital Savings Account (Zero balance, online opening).
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I tried AU Small Finance Bank for higher digital banking flexibility.
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I also started Axis MF Micro Investing, beginning with as little as ₹100/month in safe mutual funds.
This way, I wasn’t putting all my money in one place. POMIS gave me stability, while mutual funds gave me growth potential.
Final Thoughts – Is POMIS Worth It in 2025?
Absolutely YES – if you want safety + regular monthly income.
No, if you are someone who wants high growth or aggressive wealth building—for that, mutual funds, equities, and other options are better.
For me, POMIS worked perfectly as a core safety net investment. It gave me peace of mind, predictable returns, and confidence that at least a part of my portfolio is risk-free.
If you want to know the step-by-step process, returns, interest rates, and full details, watch my video here 👉 [BeWithPrem YouTube Channel].
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I regularly share content on:
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Sarkari Yojana (Government Schemes)
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Safe Investments & Personal Finance
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Practical Tips for Indian Citizens
If you want to stay updated with schemes like POMIS, Kisan Vikas Patra, Senior Citizen Savings Scheme, Sukanya Samriddhi Yojana, and many more, subscribe to my channel today!