POMIS Maturity Calculator 2026 — What You Get at 5 Years
Principal returned + total interest earned + maturity date for any POMIS deposit
⚡ Key Takeaways
- POMIS matures exactly 5 years from account opening date — fixed tenure
- At maturity: full principal returned in one lump sum to your POSA
- Total interest = Monthly payout × 60 months — e.g., ₹9L at 7.4% = ₹3,33,000 total
- POMIS uses simple interest — monthly payout is identical every month
- Note: rate reviews happen quarterly, so actual total may differ if govt changes rate during tenure
- After maturity: apply to extend within 1 month or principal sits in POSA at 4%
POMIS Maturity Formula
Monthly Payout = Principal × Annual Rate ÷ 12
Total Interest = Monthly Payout × 60 months
Example: ₹9,00,000 × 7.4% ÷ 12 = ₹5,550/month × 60 = ₹3,33,000 total interest
Principal returned at maturity: ₹9,00,000 (unchanged)
POMIS uses simple interest only. Your principal is never touched — it is returned intact at the end of 5 years. There is no compounding within the scheme.
POMIS Maturity Reference Table — at 7.4% p.a.
| Deposit | Monthly Income | Total Interest (5 yr) | Principal at Maturity | Total Value at End |
|---|---|---|---|---|
| ₹1,00,000 | ₹617/mo | ₹37,000 | ₹1,00,000 | ₹1,37,000* |
| ₹2,00,000 | ₹1,233/mo | ₹74,000 | ₹2,00,000 | ₹2,74,000* |
| ₹3,00,000 | ₹1,850/mo | ₹1,11,000 | ₹3,00,000 | ₹4,11,000* |
| ₹5,00,000 | ₹3,083/mo | ₹1,85,000 | ₹5,00,000 | ₹6,85,000* |
| ₹7,00,000 | ₹4,317/mo | ₹2,59,000 | ₹7,00,000 | ₹9,59,000* |
| ₹9,00,000 (max single) | ₹5,550/mo | ₹3,33,000 | ₹9,00,000 | ₹12,33,000* |
| ₹12,00,000 | ₹7,400/mo | ₹4,44,000 | ₹12,00,000 | ₹16,44,000* |
| ₹15,00,000 (max joint) | ₹9,250/mo | ₹5,55,000 | ₹15,00,000 | ₹20,55,000* |
* Total value = interest received monthly (already spent/saved) + principal returned. Assumes rate constant at 7.4% for full 5 years.
How to Find Your POMIS Maturity Date
Your POMIS maturity date is exactly 5 years from the account opening date. It is printed in your POMIS passbook.
| Account Opening Date | Maturity Date | Extension Deadline |
|---|---|---|
| April 1, 2021 | April 1, 2026 | May 1, 2026 (1 month) |
| June 15, 2021 | June 15, 2026 | July 15, 2026 |
| October 10, 2021 | October 10, 2026 | November 10, 2026 |
| Any date in 2021 | Same date in 2026 | Same date + 1 month |
Impact of Rate Changes on Total Maturity Value
POMIS rate changes quarterly — so actual total interest over 5 years may differ from the constant-rate calculation if the government revises rates during your tenure.
| Scenario (₹9L account) | Monthly Income | 5-Year Total Interest |
|---|---|---|
| Rate stays at 7.4% all 5 years | ₹5,550 (constant) | ₹3,33,000 |
| Rate drops to 7.0% in year 2 | ₹5,250 from yr 2 | ≈ ₹3,18,600 (less) |
| Rate rises to 7.8% in year 3 | ₹5,850 from yr 3 | ≈ ₹3,46,200 (more) |
| SCSS on ₹9L at 8.2% (locked) | ₹6,150/mo equiv. | ₹3,69,000 (guaranteed) |
This illustrates why SCSS — which locks the rate at account opening for the full 5 years — provides more predictable maturity outcomes for senior citizens.
What Happens at POMIS Maturity
- On the maturity date, the Post Office credits your full principal (e.g., ₹9,00,000) to your POSA
- Monthly interest payments stop — the last monthly payout was the month before maturity
- Your passbook is marked as matured
- You have 1 month to submit an extension application if you want to continue
- If you don't act, the principal sits in POSA earning only 4% savings rate
What to Do with Maturity Proceeds
| Option | What You Get | Best For |
|---|---|---|
| Extend POMIS (apply within 1 month) | Continue monthly income at new rate | Still need monthly income, rate is acceptable |
| Open new POMIS account | Fresh account at current rate | Same as extension — marginally more flexible |
| Switch to SCSS (if turned 60) | 8.2% quarterly, rate locked, 80C benefit | Senior citizens — always better than POMIS |
| Bank FD (monthly payout) | 7.5–7.75% monthly | Need more than ₹9L invested |
| Balanced fund SWP | Market-linked, inflation-beating | Long horizon, equity-comfortable investors |
🔗 Also read
✅ Advantages
- Principal fully guaranteed at maturity — sovereign-backed return of capital
- Predictable total: exact monthly income × 60 months = total interest
- No reinvestment risk on principal — returned in full regardless of market conditions
⚠️ Limitations
- Simple interest only — no compounding within POMIS
- Rate not locked — actual total may differ if govt revises quarterly
- Total interest is taxable — net maturity value depends on your slab rate
✅ This applies to you if
- Investors wanting to know their exact maturity date and total return before opening
- Those approaching POMIS maturity planning what to do with principal
- Financial planners computing retirement income over 5-year blocks
- Anyone comparing POMIS total return vs alternative investments
⚠️ Think twice if
- Those expecting compound growth — POMIS is simple interest only, principal unchanged
- Investors wanting to know net after-tax maturity value — tax is slab-dependent and complex
- Anyone above 60 who should model SCSS maturity instead — SCSS gives ₹36,000 more per ₹9L over 5 years
📋 Disclaimer & Source: All POMIS data on this page is sourced from India Post / Ministry of Finance, Govt. of India and India Post official guidelines. Interest rate of 7.4% p.a. is effective Q1 FY 2026-27 (April 1, 2026). Last reviewed: April 15, 2026. This page is for informational purposes only and does not constitute financial advice. · Full Disclaimer
Frequently Asked Questions
At POMIS maturity (5 years), you receive your full principal back. For a ₹9L account, ₹9,00,000 is credited to your POSA. This is separate from the monthly interest payments you received throughout the tenure (₹5,550/month × 60 months = ₹3,33,000 already received).
No. POMIS uses simple interest throughout. Monthly interest is paid out each month and does not compound within the scheme. The principal returned at maturity is exactly what you deposited — not more.
On the maturity date, the principal is credited to your POSA automatically. There is no separate application needed to receive the maturity amount — it is processed by the Post Office on the maturity date itself.
Yes — several options: extend the same POMIS account (apply within 1 month), open a new POMIS account, switch to SCSS if you are now 60+, invest in a bank FD or balanced mutual fund SWP. Choosing SCSS for senior citizens gives the best guaranteed rate (8.2% vs POMIS's 7.4%).
If you extend, the new tenure earns the prevailing rate on your maturity date. If rates have risen (e.g., from 6.6% to 7.4%), you benefit. If rates have fallen, your income decreases. SCSS avoids this by locking the rate at account opening.