The Post Office has launched a new special savings scheme that promises secure and stable monthly income for investors. According to the latest reports, this government-backed plan offers a guaranteed earning potential of ₹20,000 per month, making it one of the most attractive income options for those looking for steady returns without market risks.
Post Office’s New Guaranteed Income Plan
Under the new Post Office scheme, investors can make a one-time lump-sum investment and start receiving a fixed monthly income from the following month. The scheme is designed to help salaried individuals, senior citizens, and homemakers who want assured monthly earnings along with full capital safety.
As per official sources, the Post Office continues to expand its range of small savings options to promote secure investment habits among the public. The new plan combines high returns, government guarantee, and liquidity — all in one package.
How the ₹20,000 Monthly Earning Works
To earn ₹20,000 every month, an investor must deposit a higher principal amount depending on the prevailing interest rate, currently around 7.4% per annum under the Post Office Monthly Income Scheme (POMIS).
For instance, a deposit of around ₹32 lakh under this scheme can generate approximately ₹20,000 per month in interest income. The payout is credited directly to the investor’s Post Office savings account every month, offering a steady cash flow similar to a pension.
Interest Rate and Tenure Details
The Post Office’s monthly income plans generally come with a 5-year tenure, after which investors can withdraw or reinvest the amount. The current interest rate of 7.4% per annum is revised quarterly by the government. Investors can choose either individual or joint accounts, and the maximum deposit limit may vary depending on account type.
| Scheme Name | Tenure | Interest Rate (2026) | Payout Frequency | Guarantee Type |
|---|---|---|---|---|
| Post Office Monthly Income Scheme (POMIS) | 5 Years | 7.4% p.a. | Monthly | 100% Government-Backed |
Who Should Invest in This Scheme
This special Post Office scheme is ideal for individuals who want fixed monthly returns without any market-linked risk. Senior citizens, retirees, and those looking to supplement their pension income can benefit the most. Even working professionals can use it to build a second source of income with complete safety.
Tax Benefits and Safety Assurance
Since the Post Office operates under the Government of India, all deposits are fully secured. Interest earned is taxable under current income tax laws, but the scheme remains a low-risk investment option compared to mutual funds or equities.
Investors can also enjoy peace of mind, as the Post Office ensures timely payouts and transparent operations with no hidden charges or deductions.
Conclusion: The new Post Office Special Scheme 2026 is a reliable way to earn consistent monthly income. With guaranteed returns, government backing, and flexible investment limits, it offers a perfect balance of security and steady profit. Whether you’re planning for retirement or looking for fixed earnings, this scheme provides long-term stability with attractive monthly benefits.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Investors are advised to verify details from the official Post Office before making any deposits. Interest rates and terms may change based on government revisions.
