When it comes to safe investment in India, post office schemes are considered one of the most reliable options. Since these schemes are backed by the government, the risk is very low and returns are stable. In 2026, there are several post office schemes that provide an opportunity to earn regular monthly income. These plans are especially beneficial for senior citizens and for people who want steady earnings without taking any risk. In this article, we will explain in simple language the best post office schemes for monthly income in 2026 along with their features and benefits.
Post Office Monthly Income Scheme 2026
If you want a fixed income every month, then the Post Office Monthly Income Scheme, also known as MIS, is one of the most popular plans. In this scheme, you invest money once and receive interest every month as income. In 2026, the scheme offers around 7.4% interest, which is completely safe. A single person can invest up to 9 lakh rupees, while a joint account can invest up to 15 lakh rupees. The maturity period is 5 years and the monthly interest is directly transferred to your account. This scheme is considered very useful for regular income after retirement.
Senior Citizen Savings Scheme 2026
The Senior Citizen Savings Scheme, also known as SCSS, is one of the best options for people above 60 years of age. This scheme offers more than 8% interest and provides stable returns. The interest is paid every quarter, but it can be used easily for monthly expenses. In this scheme, you can invest up to 30 lakh rupees. The maturity period is 5 years and it can be extended further. Because of high interest rates and government security, this scheme is very popular among senior citizens in 2026.
Post Office Time Deposit FD 2026
Post Office Fixed Deposit, also known as Time Deposit, is another good option for earning monthly income. You can invest for 1 year, 2 years, 3 years or 5 years. The 5-year FD currently offers around 7.5% interest. You can choose to receive interest monthly or quarterly, which helps create a regular income source. Compared to bank FDs, post office FD is considered safer due to government backing. It is a good choice for people who want secure long-term investment.
Recurring Deposit and Savings Plan
If you want to invest a small amount every month and build a large fund for the future, then Post Office Recurring Deposit is a great option. You can start investing with just 100 rupees per month and after 5 years you receive a good return. Although this scheme does not provide direct monthly income, you can invest the maturity amount in MIS or FD later to generate regular income. This plan is ideal for people who are currently earning and want monthly income in the future.
How Much to Invest and Expected Returns
For example, if you invest 5 lakh rupees in the Post Office MIS, you can earn more than 3000 rupees per month as income. In the Senior Citizen Savings Scheme, investing 10 lakh rupees can provide strong yearly interest that can support monthly expenses. In FD as well, the monthly income depends on the investment amount and tenure. The returns in these schemes are fixed and are not affected by market fluctuations.
Why Choose Post Office Schemes
The biggest advantage of post office schemes is safety and trust. All investments come with government backing. You can start investing with a small amount and some schemes also provide tax benefits. For senior citizens, homemakers and retired individuals, these plans can become a strong source of stable monthly income. In 2026, if you want to earn every month without taking risk, these post office schemes can be one of the best options.