Post Office Scheme: ₹36,000 Annual Benefit for Couples – Full Details & How to Apply
The Indian government and post office continue to launch financial schemes to support families, especially couples aiming for a secure financial future. One such attractive option is a post office savings plan that can offer up to ₹36,000 per year for married couples – ₹18,000 each for husband and wife. This scheme is ideal for those looking for a safe investment, monthly income, and government-backed security. In this post, we’ll cover:
- Full details of the ₹36,000 benefit
- Scheme eligibility
- Monthly payout calculation
- Required documents
- Application process at post office
- Best post office scheme options for couples
- FAQs and expert tips
Let’s explore how to benefit from this high-return, low-risk government scheme today.
✅ What is the Post Office Scheme That Offers ₹36,000 Per Year?
The scheme we’re referring to is the Post Office Monthly Income Scheme (POMIS) – a government-backed small savings plan that pays out guaranteed monthly interest on a lump sum deposit.
- Under this scheme, each person can invest up to ₹9 lakhs (if single) and ₹15 lakhs (if in a joint account).
- The monthly income from this scheme can go up to ₹3,000 per person – resulting in ₹36,000 per year per person or ₹72,000 for couples.
It’s a perfect choice for retired people, housewives, salaried employees, or any couple looking to earn stable passive income from their savings.
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💡 Key Features of the ₹36,000 Post Office Income Scheme:
| Feature | Details |
|---|---|
| Scheme Name | Post Office Monthly Income Scheme (POMIS) |
| Investment Limit | ₹15 lakhs (joint), ₹9 lakhs (single) |
| Interest Rate (May 2025) | 7.4% per annum (paid monthly) |
| Monthly Payout | Up to ₹6,000 (joint), ₹3,000 (individual) |
| Maturity Period | 5 years |
| Premature Withdrawal | Allowed with small penalty |
| Risk Level | Very Low (Govt-backed) |
👩❤️👨 Why Married Couples Should Use This Scheme
If both husband and wife invest ₹9 lakhs each (individually), they can earn:
- ₹3,000 per month each
- ₹6,000 combined monthly income
- ₹36,000 per person annually, or ₹72,000 per couple
This scheme provides financial independence for housewives, retired couples, and even middle-class families who want a regular income without market risks.
📈 How is the ₹36,000 Calculated?
Let’s break it down.
- Suppose you deposit ₹6 lakhs in your POMIS account.
- At 7.4% interest per annum:
- ₹6,00,000 × 7.4% = ₹44,400 annual interest
- ₹44,400 / 12 months = ₹3,700/month (rounded down after tax)
To get ₹3,000/month, your deposit would be approx ₹4.86 lakhs.
So for ₹36,000 per year, you need to invest roughly ₹4.86 lakhs per person.
📝 Eligibility Criteria
- Must be an Indian citizen
- Age: 18 years and above
- Can open an account individually or jointly
- Joint account: Maximum of 3 adults allowed
Note: NRIs are not eligible for this scheme.
📄 Required Documents
To apply for the ₹36,000 annual income benefit, bring:
- Aadhaar card
- PAN card
- Passport-size photo
- Proof of address (electricity bill, ration card)
- Post office savings account details
- Nominee details
🏦 How to Apply at the Post Office?
Follow these steps to start earning ₹3,000/month from the post office:
- Visit your nearest post office
- Ask for the Monthly Income Scheme (MIS) application form
- Fill in your personal, bank, and nominee details
- Attach required KYC documents
- Deposit the amount via cheque or DD
- Monthly interest will be credited to your post office savings account
🔁 What Happens After 5 Years?
After the 5-year maturity, you can:
- Withdraw the full amount
- Or reinvest it in the same scheme (if still available)
- Or move it to Senior Citizen Savings Scheme if you’re 60+
🏠 Benefits of This Government Scheme
1. Assured Monthly Income
Unlike mutual funds or stock markets, this scheme provides guaranteed fixed income.
2. Zero Market Risk
The scheme is government-secured, so there’s no risk of losing your money.
3. Joint Account Allowed
Perfect for husband and wife to invest together and double their income.
4. Premature Withdrawal Option
Need money early? You can withdraw it after 1 year with a small penalty.
5. Tax Benefits
Though interest is taxable, the investment itself is exempt from TDS, and you can declare it in your ITR for planning.
📊 Comparison With Other Post Office Schemes
| Scheme | Interest Rate | Lock-in Period | Best For |
|---|---|---|---|
| Monthly Income Scheme (MIS) | 7.4% | 5 years | Regular income |
| NSC (National Savings Cert.) | 7.7% | 5 years | Tax saving |
| Senior Citizens Savings Sch. | 8.2% | 5 years | Retirees |
| Kisan Vikas Patra (KVP) | 7.5% | 115 months | Doubling money |
| Recurring Deposit (RD) | 6.7% | 5 years | Monthly savers |
🧮 Post Office Monthly Income Calculator
You can use this formula to calculate your expected income:
Monthly Income = (Investment × Interest Rate) / 12
For example: ₹6,00,000 × 7.4% = ₹44,400/year
₹44,400 / 12 = ₹3,700/month
Use the Post Office MIS calculator on India Post’s official site for accurate values.
💼 Real-Life Use Case
Mr. and Mrs. Ramesh, a retired couple from Karnataka, invested ₹9 lakhs each in POMIS. Together, they now earn ₹6,000/month, enough to cover basic expenses without touching their principal.
They call it their “post office pension” – regular, tax-declared, and secure.
📣 Expert Tips for Maximum Benefit
- Split investment: Open separate accounts for husband and wife to claim full ₹18,000 each.
- Use post office savings account to automatically receive monthly interest.
- Avoid premature withdrawal unless urgent.
- Reinvest after 5 years or move to a higher interest scheme like Senior Citizens Savings Scheme.
❓ Frequently Asked Questions (FAQs)
Q. Is ₹36,000 per year guaranteed?
Yes, if you invest the minimum amount required to earn ₹3,000/month, the ₹36,000 is guaranteed by the government.
Q. Can housewives apply for this scheme?
Yes, any adult Indian citizen can open this account, including housewives and homemakers.
Q. Is the interest taxable?
Yes, the monthly interest is added to your taxable income. However, no TDS is deducted.
Q. Can I invest more than ₹9 lakhs?
Not in a single name. But a joint account allows up to ₹15 lakhs.
Q. Can NRIs invest in this scheme?
No, NRIs are not eligible for POMIS.
✅ Apply link ✅
Secure ₹36,000 Yearly with One Smart Move
The Post Office Monthly Income Scheme is one of the best low-risk investment options in 2025. By investing wisely as a couple, you can receive ₹36,000 per year each, or ₹72,000 jointly – making it an excellent passive income stream.
Whether you’re a retired couple, salaried pair, or simply looking for monthly cash flow without risk, this is the plan for you.
📌 Visit your nearest post office today and secure your future income – safely and smartly.