Is the return guaranteed?

Yes, these are fixed rate or government-backed schemes.

What about inflation?

These numbers are nominal. To get real returns, subtract expected inflation (e.g., 6%) from your return rate.

Is the return guaranteed?

Yes, these are fixed rate or government-backed schemes.

What about inflation?

These numbers are nominal. To get real returns, subtract expected inflation (e.g., 6%) from your return rate.

What If Universe

What If I Use Post Office Bonds?

Explore the compound growth of what if i use post office bonds?. Consistent investing is the key to building massive long-term wealth.

Learn Before You Calculate

What is Post Office Bonds (POMIS)?

What is POMIS?

The Post Office Monthly Income Scheme (POMIS) is a government-backed savings scheme in India that allows you to invest a lump sum amount and earn a fixed interest rate, which is paid out to you every single month.

Key Benefits

Guaranteed Returns: Since it's backed by the Government of India, your capital is 100% secure.
Monthly Cash Flow: It provides a reliable, fixed monthly income, making it highly popular among retirees.
Lock-in Period: The scheme has a 5-year lock-in period, though premature withdrawal is allowed with a small penalty.

Use the calculator above to see exactly how much monthly income your lump sum deposit will generate.

Your Variables

Bonds Deposit Amount

₹

Fixed Annual Interest7.4%

7.4%7.4%

Investment Period5 years

1 years50 years

Frequently Asked Questions

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