Post Office Shocker: Deposit ₹10 Lakh and Earn ₹4.5 Lakh/Month in Interest – Too Good to Miss!

Post Office Interest Scheme : The Indian Post Office has long been a trusted institution for safe and guaranteed savings. But now, it’s making headlines for offering what appears to be an astonishing deal – earn up to ₹4.5 lakh per month in interest on a ₹10 lakh deposit. Sounds too good to be true? Let’s dive into the facts, explore the schemes, and understand what this really means for investors.

What Is the Buzz About Post Office Interest Schemes?

India Post offers several small savings schemes that are backed by the government and offer assured returns. These include Monthly Income Scheme (MIS), Senior Citizens Savings Scheme (SCSS), National Savings Certificates (NSC), and more. Some combinations of these schemes can potentially yield higher returns when used strategically. The recent buzz suggests a way to earn large monthly payouts from smart investing in these products.

Let’s break it down.

Popular High-Interest Post Office Schemes in 2025

The following are the top-performing and most trusted post office saving schemes with steady monthly or annual interest payouts:

• Post Office Monthly Income Scheme (POMIS)
• Senior Citizens Savings Scheme (SCSS)
• National Savings Time Deposit
• Kisan Vikas Patra (KVP)
• National Savings Certificates (NSC)
• Public Provident Fund (PPF)
• Post Office Recurring Deposit (RD)
• Sukanya Samriddhi Yojana (SSY) – for girl child

Here’s a comparative look at key interest-earning options:

Interest Rates of Key Post Office Schemes (May 2025)

Scheme Name	Annual Interest Rate	Tenure	Max Investment Limit	Payout Frequency
Post Office Monthly Income Scheme	7.4%	5 years	₹9 lakh (single)	Monthly
Senior Citizens Savings Scheme	8.2%	5 years	₹30 lakh	Quarterly
National Savings Time Deposit	7.5% (5-yr)	1-5 years	No upper limit	Annual
National Savings Certificate	7.7%	5 years	No upper limit	End of term
Kisan Vikas Patra	7.5% (Compounded)	115 months	No upper limit	Maturity only
Public Provident Fund	7.1%	15 years	₹1.5 lakh/year	Annual
Recurring Deposit	6.7%	5 years	No upper limit	Quarterly
Sukanya Samriddhi Yojana	8.2%	21 years	₹1.5 lakh/year	Annual

How Can You Really Earn ₹4.5 Lakh per Month?

Let’s address the headline directly. The claim of earning ₹4.5 lakh monthly from ₹10 lakh deposit isn’t accurate for any single post office scheme. However, there are strategies using combinations of schemes and large deposits across multiple accounts or senior citizen benefits that can maximize returns legally.

The calculation likely comes from compound investing across schemes, including:

• Splitting the ₹10 lakh among high-return schemes
• Reinvesting interest quarterly or annually
• Using senior citizen-specific high-yielding plans (like SCSS)

Here is a more realistic return projection:

Projected Monthly Returns on ₹10 Lakh Deposit (2025)

Scheme	Interest Rate	Monthly Income (Approx.)
Post Office MIS	7.4%	₹6,167
SCSS (Quarterly, averaged monthly)	8.2%	₹6,833
National Savings Time Deposit (5 yr)	7.5%	₹6,250 (if annual payout averaged)
NSC (at maturity, not monthly)	7.7%	Lump sum only
KVP (compounded)	7.5%	Lump sum only

Combined, even with optimally split investments, the maximum monthly return will be around ₹18,000 – ₹20,000 on a ₹10 lakh deposit, not ₹4.5 lakh.

Top Schemes for Monthly Income in 2025

If monthly income is your primary goal, consider the following schemes:

1. Post Office Monthly Income Scheme (POMIS)
   • Ideal for retired individuals and conservative investors
   • Fixed monthly income, safe and government-backed
2. SCSS (Senior Citizens Saving Scheme)
   • Only for those aged 60 and above
   • Higher interest rate and quarterly payouts
3. Time Deposit Accounts (5-year term)
   • Offers interest similar to bank FDs but with post office security

Key Features of the Post Office Monthly Income Scheme (POMIS)

Feature	Detail
Interest Rate	7.4% p.a.
Investment Limit	₹9 lakh (single), ₹15 lakh (joint)
Lock-in Period	5 years
Payout Mode	Monthly
Premature Withdrawal	Allowed with penalty after 1 year

Who Should Consider These Post Office Schemes?

These schemes are ideal for:

• Retirees looking for safe and regular income
• Conservative investors who want risk-free returns
• Parents planning long-term savings for children
• Senior citizens seeking high interest and assured safety

What to Keep in Mind Before Investing

• Post office schemes offer guaranteed but limited returns
• There are investment caps for each scheme
• Some returns are taxable, depending on your income bracket
• Not all schemes offer monthly income – many are for long-term savings

Expert Tips to Maximize Post Office Earnings

• Combine SCSS + POMIS + 5-Year Time Deposit for better income coverage
• Use multiple accounts in joint names to go beyond the single-account limits
• Reinvest matured funds into new term deposits to continue income flow
• If eligible, always opt for SCSS due to its highest interest rate in 2025

Be Cautious with Misleading Headlines

The viral claim that you can earn ₹4.5 lakh per month from a ₹10 lakh deposit in a post office scheme is mathematically and legally impossible under current interest rates. However, smart planning and scheme combinations can help you earn a solid monthly return of up to ₹20,000 or more with zero risk.

For those who prioritize safety, government backing, and steady returns, India Post schemes remain an excellent choice in 2025. But always consult a financial advisor and verify the terms before committing large sums.

This article is for informational purposes only. Interest rates are subject to change as per government notifications. Investors are advised to check with the official India Post website or nearest post office for the latest updates.