- विवरण
- फ़ायदे
- पात्रता
- अपवाद
- आवेदन प्रक्रिया
- आवश्यक दस्तावेज़
- अधिकतर पूछे जाने वाले सवाल
- स्रोत और संदर्भ
- प्रतिपुष्टि
कुछ गलत हो गया। कृपया बाद में पुन: प्रयास करें
योजनाओं के लिए आवेदन करने से पहले आपको साइन इन करना होगा
कुछ गलत हो गया। कृपया बाद में पुन: प्रयास करें
ऐसा लगता है कि आपने अपना आवेदन पहले ही शुरू कर दिया है।अधिक जानने के लिए कृपया जाएँ
आवेदन करें
योजनाओं के लिए आवेदन करने से पहले आपको साइन इन करना होगा
कुछ गलत हो गया। कृपया बाद में पुन: प्रयास करें
ऐसा लगता है कि आपने अपना आवेदन पहले ही शुरू कर दिया है।अधिक जानने के लिए कृपया जाएँ
आवेदन करें
पात्रता की जाँच करें
Post Office Monthly Income Scheme
Ministry Of Finance
विवरण
Features of the POMIS scheme:
- Maturity period- The maximum tenure of the Indian post office monthly income scheme is 5 years.
- Number of holders- At least 1 and at most 3 individuals can hold post office MIS.
- Nomination- Only the nominee will get all scheme benefits after the investor’s demise. Nominee can be assigned later on after opening an account.
- Transfer- Individuals can transfer their MIS account in one post office to another anywhere in India.
- POMIS bonus- Accounts opened after 1st Dec 2011 have no bonus facility. However, those opened before that enjoy a 5% bonus.
- Taxability- Any income from this scheme does not come under TDS or tax deduction. The post office monthly income scheme tax benefit is zero.
फ़ायदे
Benefits:
- Capital Protection- As the Government backs it, the return is safe.
- Low-risk Investment- Post office monthly income schemes online have no risk involved in market capitalization.
- Lock-in Period- A minimum of 5 years is the lock-in period which can be withdrawn after maturity.
- Affordable Premium Amount- The premium per month is low compared to other schemes and easily payable.
- Unbeatable by Inflation- Even during inflation, an investor can get income monthly.
- Multiple Fund Owners- Multiple owners can own one account as joint holders.
- Ease of Transaction- The transaction of money, including deposits, and withdrawal is very easy.
- Good for Risk-averse Investors- Post Office Monthly Income Scheme is the best scheme for risk-averse investors who wants monthly income. It is favorable for those looking for long-term investment and regular income. For senior citizens, it is the best plan.
Current Interest Rates:
Details of Investment:
Maximum Investment Limit:
Notes:
पात्रता
- The applicant must be a citizen of India.
- The applicant must be residing in India.
- The applicant should be at least 18 years old.
अपवाद
आवेदन प्रक्रिया
- First, you must have a Post Office savings account. Open the same account if you do not have one
- Get an application form from your Post Office or download the POMIS Account application form from the following link: https://www.indiapost.gov.in/VAS/DOP_PDFFiles/form/Accountopening.pdf
- Fill and submit the form along with the self-attested copies of all the required documents at the post office. You must carry the original documents for verification.
- Mention the Name, DOB, and Mobile no. of the nominees (if any)
- Proceed to make initial deposits (Minimum Rs.1000/-) via cash or cheque
आवश्यक दस्तावेज़
- Proof of Identity: Copy of government issued ID such as Passport / Voter ID card / Driving License/Aadhaar, etc.
- Proof of Address: Government-issued ID or recent utility bills.
- Passport size photographs
अधिकतर पूछे जाने वाले सवाल
How Can I Withdraw Money From My POMIS Account After The Tenure?
You can withdraw the deposited amount from the account either from the post office or you can also get it credited in your savings account through ECS. You can follow the usual way and withdraw the amount monthly. However, the investor is allowed to let some amount accumulate and withdraw it all together after a few months.
Can I Transfer POMIS Account?
Yes, your account can be transferred from one post office to another for absolutely free.
Can I Reinvest My Accumulated Amount In POMIS?
This is one of the best features of this scheme. It allows the investors to reinvest their accumulated money at the end of the tenure.
Is There Any Tax Deduction At Source?
No, there is no TDS (Tax Deduction at Source). But, the interests earned are taxable.
Is There Any Nomination Facility Available In POMIS?
Yes, the scheme allows you to select and appoint a nominee against the account who will get the accumulated amount in case of unfortunate demise.
Does The Scheme Offer Tax Rebate?
No, POMIS does not offer any tax benefits under Section 80C of the Income Tax Act, 1961.
Can A Senior Citizen Also Invest In POMIS?
Yes, infact POMIS is most suitable for senior citizens and retired persons.
From Where Can I Get The Withdrawal Form Of POMIS?
You can get the withdrawal form directly from the post office or download it from the India Post website.
What Happens When The Investor Does Not Withdraw The Funds After 5 Years?
After the maturity of 5 years, if the investor does not withdraw the amount, then he will continue to earn a simple interest for up to 2 years (as per the post office savings account interest rate).
समाचार और अपडेट
कोई नई खबर और अपडेट उपलब्ध नहीं है
शेयर
कुछ गलत हो गया। कृपया बाद में पुन: प्रयास करें
योजनाओं के लिए आवेदन करने से पहले आपको साइन इन करना होगा
कुछ गलत हो गया। कृपया बाद में पुन: प्रयास करें
ऐसा लगता है कि आपने अपना आवेदन पहले ही शुरू कर दिया है।अधिक जानने के लिए कृपया जाएँ
आवेदन करें
योजनाओं के लिए आवेदन करने से पहले आपको साइन इन करना होगा
कुछ गलत हो गया। कृपया बाद में पुन: प्रयास करें
ऐसा लगता है कि आपने अपना आवेदन पहले ही शुरू कर दिया है।अधिक जानने के लिए कृपया जाएँ
आवेदन करें
पात्रता की जाँच करें
Post Office Monthly Income Scheme
Ministry Of Finance
Features of the POMIS scheme:
- Maturity period- The maximum tenure of the Indian post office monthly income scheme is 5 years.
- Number of holders- At least 1 and at most 3 individuals can hold post office MIS.
- Nomination- Only the nominee will get all scheme benefits after the investor’s demise. Nominee can be assigned later on after opening an account.
- Transfer- Individuals can transfer their MIS account in one post office to another anywhere in India.
- POMIS bonus- Accounts opened after 1st Dec 2011 have no bonus facility. However, those opened before that enjoy a 5% bonus.
- Taxability- Any income from this scheme does not come under TDS or tax deduction. The post office monthly income scheme tax benefit is zero.
शेयर
समाचार और अपडेट
कोई नई खबर और अपडेट उपलब्ध नहीं है
