Post Office Monthly Income Scheme Statistics 2026: Deposits and Net Collection by Year
· 1 min read · 5 official sources
Savers put Rs 73,859.44 crore into the Post Office Monthly Income Scheme in 2025-26, and net collection after payouts was Rs 27,785.81 crore, according to the National Savings Institute. This page shows five years of deposits, payments and net collection, and the first five months of 2026-27.
Post Office Monthly Income Scheme (POMIS): key numbers
Infographic
Monthly Income Scheme deposits and net collection by year
Full-year deposits, payments and net collection in the National Savings Monthly Income Account, from the March statement for each year published by the National Savings Institute. 2024-25 is from the first supplementary March statement and 2025-26 from the CGA March 2026 statement.
| Year | Deposits (Rs crore) | Payments (Rs crore) | Net collection (Rs crore) |
|---|---|---|---|
| 2021-22 | 53,837.81 | 39,397.23 | 14,440.58 |
| 2022-23 | 50,561.05 | 44,067.87 | 6,493.17 |
| 2023-24 | 65,564.74 | 38,868.97 | 26,695.77 |
| 2024-25 | 61,471.42 | 44,852.94 | 16,618.48 |
| 2025-26 | 73,859.44 | 46,073.63 | 27,785.81 |
Source: nsiindia.gov.in, as on 31 March 2026
Net collection by year
Money left in the scheme each year after maturity and other payments, from the same National Savings Institute statements.
| Year | Net collection (Rs crore) |
|---|---|
| 2021-22 | 14,440.58 |
| 2022-23 | 6,493.17 |
| 2023-24 | 26,695.77 |
| 2024-25 | 16,618.48 |
| 2025-26 | 27,785.81 |
Source: nsiindia.gov.in, as on 31 March 2026
How a Monthly Income Scheme account works
What the numbers show
The Post Office Monthly Income Scheme pays interest every month on a one-time five-year deposit. The National Savings Institute, part of the Finance Ministry, publishes monthly statements of collections in each small savings scheme. They show Rs 73,859.44 crore deposited in 2025-26, the highest of the five years shown, with net collection of Rs 27,785.81 crore after payouts.
The trend over five years
Deposits held between about Rs 50,000 crore and Rs 54,000 crore in 2021-22 and 2022-23, then rose to Rs 65,564.74 crore in 2023-24. Deposits dipped to Rs 61,471.42 crore in 2024-25 and reached a new high in 2025-26. Net collection swings more, because it depends on how many five-year deposits mature in a year. It was lowest in 2022-23 at Rs 6,493.17 crore.
This year so far
In the first five months of 2026-27, from April to August, savers deposited Rs 39,608.09 crore and net collection was Rs 18,791.19 crore.
What the figures do not tell you
The statements count money, not people. They do not give the number of accounts or the average deposit. The 2024-25 figures come from a supplementary March statement and may be revised in a later one. Almost all collections are at post offices; banks account for only a tiny amount.
Where to check
Monthly statements are on nsiindia.gov.in under scheme-wise collection data, with a separate page for each financial year and a provisional and supplementary statement for March. Interest rates are reset every quarter by the Finance Ministry.
Frequently asked questions
How much money is deposited in the Post Office Monthly Income Scheme each year?
Deposits were Rs 73,859.44 crore in 2025-26, according to the National Savings Institute. In 2024-25 they were Rs 61,471.42 crore and in 2023-24 Rs 65,564.74 crore.
What is net collection?
Net collection is deposits minus payments such as maturity and premature closure. For the Monthly Income Scheme it was Rs 27,785.81 crore in 2025-26.
How is the scheme doing in 2026-27?
From April to August 2026, deposits were Rs 39,608.09 crore and net collection was Rs 18,791.19 crore, according to the NSI statement for August 2026.
Which year had the lowest net collection?
2022-23, when net collection fell to Rs 6,493.17 crore because payments of Rs 44,067.87 crore were high compared with deposits of Rs 50,561.05 crore.
Can the Monthly Income Scheme be opened at a bank?
It is run mainly through post offices. The NSI statements show only very small amounts collected through banks, for example Rs 0.48 crore in 2025-26.
Eligibility, documents and how to apply: Post Office Monthly Income Scheme (POMIS) full guide
Charts, data files and the infographic are free to download, share and embed with a link back to this page.
Sources
This guide was checked against these official pages:
- nsiindia.gov.in (www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=313)
- nsiindia.gov.in (www.nsiindia.gov.in/writereaddata/FileUploads/CGA%20March%202026.pdf)
- nsiindia.gov.in (www.nsiindia.gov.in/writereaddata/FileUploads/CGA%20August%202026.pdf)
- nsiindia.gov.in (www.nsiindia.gov.in/writereaddata/PDF/SWC%202023-2024/2023-24%2012.pdf)
- nsiindia.gov.in (www.nsiindia.gov.in/writereaddata/FileUploads/March%20(SYI).pdf)