Looking for a passive side income? Learn how to earn ₹5000 per month from India Post Office schemes in 2025. Safe, government-backed options with fixed returns. No active work needed!
💼 Introduction
In today’s uncertain world, side income has become a must-have for every household. But what if you could earn ₹5000 per month without doing any work — completely passive and tension-free?
Thanks to the Post Office Monthly Income Scheme (POMIS) and other small savings schemes, you can now enjoy fixed monthly returns with zero risk, directly from the Government of India.
This article explains how you can invest smartly and get a guaranteed ₹5000 monthly income, even if you’re a salaried person, housewife, or senior citizen.
🏦 What is the Post Office Monthly Income Scheme (POMIS)?
The Post Office Monthly Income Scheme is a savings plan offered by India Post that provides fixed monthly interest income on your lump sum investment.
It is best for:
- Retired people
- Homemakers
- Small investors
- Anyone seeking passive income
🔢 How to Earn ₹5000 Per Month from Post Office?
To earn ₹5000/month, you simply need to invest a fixed amount in POMIS. Let’s break it down:
📌 Current Interest Rate (As of 2025):
7.4% per annum (payable monthly)
✅ Required Investment Calculation:
To earn ₹5000 per month:
- Monthly Return Formula:
(Invested Amount x 7.4%) ÷ 12 = Monthly Income - Solve for ₹5000: ₹5000 x 12 = ₹60,000 (Annual Return)
₹60,000 ÷ 0.074 = ₹8,10,810 approx.
💰 Final Answer:
To get ₹5000/month, invest approx. ₹8.1 lakh in POMIS.
Note: Max investment limit is ₹9 lakh for a single account and ₹15 lakh for joint accounts.
📝 Key Features of POMIS:
| Feature | Details |
|---|---|
| Minimum Investment | ₹1000 |
| Maximum Investment | ₹9 lakh (single), ₹15 lakh (joint) |
| Tenure | 5 years |
| Interest Rate | 7.4% (as of 2025) |
| Payment Frequency | Monthly |
| Risk Level | Very Low (Govt-backed) |
| Premature Withdrawal | Allowed with small penalty |
👩👦 Who Can Invest?
- Indian Residents
- Senior Citizens (can get additional benefits)
- Parents for minor children
- Suitable for both individuals and joint investors
📲 How to Open a POMIS Account?
You can open the account at any India Post Office branch. Here’s how:
Required Documents:
- Aadhaar Card
- PAN Card
- Passport-size photograph
- Initial deposit (cheque/cash)
- Mobile number
Steps:
- Visit the nearest post office
- Fill the POMIS account form
- Submit documents and deposit amount
- Get passbook and monthly interest schedule
🛡️ Benefits of Using Post Office for Side Income
- ✅ 100% secure – Govt of India backed
- ✅ Fixed monthly income – no fluctuation
- ✅ No TDS deducted on interest
- ✅ Ideal for passive earners
- ✅ Useful for homemakers, pensioners, low-risk investors
❌ No Work Needed
Unlike freelancing, trading, or side hustles — here you don’t need to lift a finger after investing. The money works for you, and you get ₹5000 every month without fail.
📝 Conclusion
If you’re looking to build a safe, passive income of ₹5000 per month, the Post Office Monthly Income Scheme (POMIS) is one of the best options in 2025. With a one-time investment of around ₹8 lakh, you can secure regular returns — with zero effort, zero stress, and 100% safety.
❓FAQs
Q1: Can I get more than ₹5000 per month?
Yes, if you invest more (within the max limit), your monthly return will increase.
Q2: Is the interest taxable?
Yes, interest is taxable as per your income slab. But no TDS is deducted.
Q3: Can I open the account online?
Currently, POMIS must be opened offline at a post office.
Q4: Can I withdraw early?
Yes, after 1 year with a small penalty.