Post Office New Scheme Many schemes have always been launched in the post office of India to promote the habit of saving and investing of the people. In 2025, the post office has once again introduced such a scheme which claims to give better returns than schemes like traditional FD (Fixed Deposit) and RD (Recurring Deposit). Due to the guarantee of the government and easy post office service, the trust of these schemes always remains.
Recently there is a lot of discussion about this new scheme of the post office that those who invest in it will get regular and higher returns as well as special benefits on tax. The purpose of this scheme is to keep the savings of the general public safe and give them a fixed income every month.
The special thing about this new post office scheme of 2025 is that both small and big investors can invest in it comfortably. For this, only Aadhaar and PAN number will be required, so that the amount deposited is completely safe.
What is the main new scheme of Post Office 2025?
Post Office New Scheme This new scheme of post office has started mainly under the name of “Post Office Monthly Income Scheme 2025”. In this, investors get fixed and good interest every month, so that the monthly expenses of the family can be easily met. This scheme is best for senior citizens, salary persons, women and middle class.
Change made by the government – Now a person can invest up to ₹ 9 lakh and up to ₹ 15 lakh in joint accounts. The interest rate is 7.4% and it gets deposited in the account every month. This gives more returns than the interest received in FD-RD, and the safety of money is also guaranteed.
Overview of the new plan (by table)
| Name of the scheme | Post Office Monthly Income Scheme 2025 |
| interest rate | 7.4% p.a. (payable monthly) |
| Maximum Investment Limit | ₹9 lakh (Single), ₹15 lakh (Joint) |
| Minimum Investment | ₹1,000 |
| tax benefit | Interest will be taxed, but investment can be availed under 80C in some schemes |
| Account Opening Process | Offline + Online (from India Post website/app) |
| Maturity Period | 5 years |
| Premature Closure | After 1 year, with some fees |
| Special Benefits | Government guaranteed, regular returns, for all rural/urban |
Why is this scheme better than FD-RD?
- • Higher interest rate: FD usually gives 6.9%-7.5% interest and RD gives around 6.7% interest, while the new post office scheme gives 7.4%.
- • Government guarantee: The Government of India provides security of investment in this, so there is no risk.
- • Monthly income: Interest in FD and RD is usually received annually or on maturity, while in this post office scheme, income comes every month.
- • Tax exemption: Some investment schemes get exemption under Income Tax Act 80C.
- • Lock-in and facilities: Quick withdrawal is not possible in FD-RD, while in the new scheme there is an option of premature closure after 1 year.
Main features of the scheme (Bullet Points)
- • Government security: Government guarantee is available on every investment.
- • Minimum investment: You can start with just ₹1000.
- • Online facility: Open an account from home through India Post website and mobile app.
- • Monthly payment of interest: Every month the account holder gets interest directly in his account.
- • Option after maturity: You can withdraw money after maturity or you can also renew the scheme.
- • Joint account: Facility to open a joint account with family.
- • Easy documentation: Only Aadhaar, PAN card and some basic documents are required.
Account opening process
- 1. Download the application form from India Post website.
- 2. Attach the required documents (Aadhaar, PAN, photo etc.).
- 3. Go to the nearest post office and submit the form.
- 4. Deposit the minimum amount and get the passbook.
- 5. If you want to use internet banking or mobile app, then activate it.
- 6. Login to the mobile app to apply online and open an account, fill in the details and submit.
Who can invest?
• Any citizen of India.
- • Children above 10 years of age (minor account).
- • Women, senior citizens.
- • Joint or single account option.
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For whom is this scheme best?
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• Those who need a fixed source of monthly income.
- • Employed and retired people.
- • Women, who want safe savings.
- • Middle and low income group families.
- • Those who want safe and higher returns than bank FD and RD.
- Main benefits of the scheme
- • Assurance of monthly income.
- • Higher interest rate than FD-RD.
- • Government guarantee.
- • Benefit of tax exemption on investment.
- • Convenience and easy documentation.
- • Both online/offline options.
- • Suitable for both rural and urban people.
- Some precautions and limitations
- • Tax may be deducted on interest, calculate savings.
- • Keep the investment amount within the prescribed limit.
- • Premature closure charges may be deducted on forced withdrawal.
- • Only Indian citizens can open an account.
Brief Comparison Table of Schemes (FD, RD, Post Office Scheme)
| Option | Interest Rate | Risk | Income Payout | Tax Benefits | Government Backing |
| FD (Fixed Deposit) | 6.9–7.5% | Low | Yearly / At Maturity | Available in some plans | Bank Guarantee |
| RD (Recurring Deposit) | 6.7% | Low | At Maturity | Available in some plans | Bank Guarantee |
| Post Office Monthly Income Scheme (POMIS) | 7.4% | Very Low | Monthly | Available in some plans | Backed by Government of India |
- Some important FAQs of the scheme
- • Can the account holder open more than one account?
- • Yes, both single and joint accounts can be opened.
• Can I renew next time?
- • Yes, the scheme can be renewed after maturity.
- • Does the interest rate change every year?
- • Yes, the rate is fixed by the government every quarter.
Disclaimer:
This Post Office New Scheme 2025 – Monthly Income Scheme is a completely government and true scheme. All the above information has been taken only from the official post office sites of the Government of India (indiapost.gov.in, myscheme.gov.in, Ministry of Finance). The scheme is completely genuine, investing in it gives safe returns. Beware of any other advertisement, agent or website. For opening an account and information, visit only the authorized branch or website of the post office.
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My name is Anaya Afrin, the founder of Seekho Smart. I built this platform to make knowledge simple, clear, and truly useful for students and readers everywhere. With over 6 years of blogging experience, I’ve learned how to turn complex topics into easy guides that inspire learning. Through my writing, I aim to share practical knowledge that not only informs but also empowers people to grow and achieve their goals.