1. Post Office Monthly Income Scheme (POMIS) Earn a fixed monthly income at 7.4% per annum, with no TDS. A 5-year plan designed for steady cash flow and peace of mind, backed by the Government of India. 2 Pradhan Mantri Vaya Vandana Yojana (PMVVY) A pension scheme for senior citizens offering a guaranteed pension for 10 years. Up to 15 lakh can be invested, with surrender benefits in case of critical illness. Pension remains taxable. 3 National Savings Certificate (NSC) Secure returns at 7.7% pe

🚨The Post Office Monthly Income Scheme (POMIS) is one of the most secure and reliable small savings plans offered by the Government of India through India Post, designed to provide regular monthly income to investors, especially retirees or those seeking fixed monthly returns. As of 2025, the interest rate under this scheme is fixed at 7.4% per annum, payable every month. This means that if an individual invests the maximum limit of Rs. 15 lakh (under a joint account), they will earn about Rs.