POMIS Monthly Payout Not Received — What to Check
A missing POMIS monthly payout is usually caused by incorrect bank account details, a dormant savings account, or a failed payment mandate. Check the linked account details at your post office, confirm your savings account is active, and ask for the payment transfer reference before escalating.
Your POMIS monthly payout has not arrived and you are not sure what happened. This is a solvable problem — most missing POMIS credits come down to a handful of fixable causes.
Work through the checks below before you visit the post office. In many cases, the issue is on the receiving bank's end, not the post office's end.
Why POMIS Payouts Fail to Credit — Root Causes
The Post Office Monthly Income Scheme pays interest directly to your savings account every month. When that payment does not arrive, the cause usually falls into one of these categories:
- Incorrect or changed bank account details — the account number or IFSC code linked to your POMIS account is wrong or outdated
- Dormant savings account — if your linked savings account has had no transactions for 12+ months, many banks flag it as inactive and reject incoming credits
- Failed NACH mandate — some post offices use the National Automated Clearing House for bulk monthly payouts; a failed mandate causes the payment to bounce
- Processing delay — payout processing can take 2-3 working days past the scheduled date, especially around public holidays or month-end
- KYC mismatch — if your Aadhaar or PAN details at the post office do not match your bank account, some transfers get flagged and held
Step-by-Step: What to Check First
- Check your bank statement, not just your passbook. The credit may appear with a reference like "POSB" or "POMIS" and a lag of 2-3 working days. Confirm the payment is genuinely missing, not just pending.
- Verify the bank account linked to your POMIS account. Visit the post office with your POMIS passbook and ask them to read out the account number and IFSC code on file. Compare this with your actual bank account details. Even one digit wrong means payments fail silently.
- Check whether your savings account is active. Call your bank or visit a branch. Ask if the account is active and accepting incoming transfers. A dormant account can block credits without any notification to you.
- Ask the post office for a payment confirmation record. The post office has a record of when and to which account each payout was sent. Ask them to show you the transfer reference for the month in question. This tells you whether the payment left the post office side or not.
- If payment shows as sent, raise a complaint with your bank. If the post office confirms they sent the payment but your account shows no credit, take the transfer reference number to your bank and ask them to trace the transaction.
- If payment was not sent, ask the post office to reprocess. Request a fresh payout for the missed month and ask them to update your account details if they were incorrect. Get a written acknowledgement.
What to Do if the Issue Keeps Repeating
A one-off missed payout usually resolves quickly. If the problem repeats month after month, the root cause is almost always a standing instruction or NACH mandate failure.
Ask the post office to refresh the payment setup — specifically to resubmit your bank mandate. This is a clerical step they can do without you needing to fill in lengthy forms. Get the updated mandate confirmation in writing.
Some older POMIS accounts were set up before mandatory e-mandate systems were in place. If your account pre-dates 2020, ask the post office whether you need to re-link your bank account using the current digital process.
One thing many account holders do not know: if you have changed your bank in the last few years, the old bank account linked to the POMIS may be closed or dormant. Payments sent to a closed account bounce silently — the post office sends the payment, it fails, and you receive no notification unless you check. Re-linking is a 15-minute process at the post office counter with your passbook and bank account details.
How to Prevent This From Happening Again
- Keep your linked savings account active with at least one transaction per quarter
- Update your bank account details at the post office immediately if you close an old account or switch banks
- Set a calendar reminder to check for the POMIS credit within 5 working days of the payment date each month — catching a miss early means faster resolution
- Keep a note of your POMIS account number, linked bank details, and the post office contact separately — you will need all of this when raising any complaint
When to Contact the Department of Posts
If the post office cannot resolve the issue after two visits, escalate. The Department of Posts has a complaint portal at indiapost.gov.in where you can register grievances with a tracking number. Include your POMIS account number, the month of the missed payment, and any reference numbers the post office gave you.
Most POMIS payout issues get resolved within one to two weeks when escalated correctly. Do not wait longer than 30 days before escalating — the trail gets harder to follow over time.
Frequently Asked Questions
- Why is my POMIS monthly payout not credited?
- The most common causes are incorrect bank account details linked to your POMIS account, a dormant savings account rejecting incoming transfers, or a failed NACH payment mandate. Check these in order.
- How do I check if my POMIS payment was sent by the post office?
- Visit the post office with your POMIS passbook and ask for the payment transfer reference for the missing month. They have records of when and where each payout was sent.
- What do I do if the post office confirms payment was sent but my bank shows no credit?
- Take the transfer reference number from the post office to your bank and ask them to trace the transaction. The bank can locate and credit the payment using this reference.
- How long does POMIS payout take to credit after the payment date?
- POMIS payouts typically credit within 2-3 working days of the payment date. Around public holidays or month-end, it may take up to 5 working days. Wait before raising a complaint.
- Where do I complain if my POMIS issue is not resolved at the post office?
- Register a grievance on the Department of Posts portal at indiapost.gov.in. Include your POMIS account number, the month of the missed payment, and any reference numbers you have.