Earn ₹9,250/month for 5 years from this post office scheme:Here’s how to open the account with minimum ₹1,000 and maximum ₹9 lakh

The government has kept interest rates on small savings schemes unchanged for January–March (Q4 FY26). As a result, investors will continue to earn the same returns as before. For those looking for a safe and regular monthly income, the Post Office National Savings Monthly Income Account is a reliable option. The scheme currently offers 7.4% annual interest and can generate a monthly income of up to ₹9,250 with a 5-year investment. What Is the Post Office Monthly Income Scheme? The Post Office Monthly Income Account is a government-backed small savings scheme designed to provide fixed monthly income with complete capital safety. It is especially suitable for retirees, senior citizens, and risk-averse investors seeking steady cash flow. The scheme works like a term deposit with monthly payouts. Investment Limits How You Can Earn ₹9,250 Per Month Interest under this scheme is calculated annually and paid every month. If the monthly interest is not withdrawn, it is credited to the Post Office Savings Account, though no additional interest is paid on the interest amount. Note: These are approximate calculations. Interest rates are reviewed by the government every three months. Maturity and Withdrawal Rules Who Can Open an Account? Aadhaar and PAN Mandatory The government has made Aadhaar and PAN compulsory for opening Post Office savings accounts, including PPF, Sukanya Samriddhi, and Monthly Income Accounts. Investors must provide an Aadhaar number or enrollment slip. How to Open a Post Office Monthly Income Account