Post Office Schemes

KVP Return Calculator

Find out exactly when your money will double. The Kisan Vikas Patra (KVP) offers a government-guaranteed doubling of your investment.

Investment Details

Minimum deposit is ₹1000 in multiples of ₹100.

7.5% p.a.

Compounded annually.

9 Years & 7 Months

Exactly 115 months based on current rate.

Doubling Guaranteed

Maturity Amount (2x)

₹2,00,000

Government backed. Zero risk.

Total Invested₹1,00,000
Guaranteed Interest+₹1,00,000
Warning: KVP does NOT offer Section 80C tax benefits.

Kisan Vikas Patra (KVP) Basics

  • Not Just for Farmers: Despite the name "Kisan" (Farmer), the KVP scheme is available to all adult Indian citizens. You can purchase it at any Post Office or recognized bank.
  • The Doubling Guarantee: The core premise of KVP is simple: your money doubles. The government adjusts the maturity period based on the current interest rate. At the current 7.5% rate, it takes exactly 115 months (9 years and 7 months) to double your money.
  • The Tax Drawback: Unlike the NSC (National Savings Certificate), KVP does NOT qualify for Section 80C tax deductions. Furthermore, the interest you earn is fully taxable according to your income tax slab.
  • Premature Withdrawal: You are locked in for the first 2 years and 6 months. After this lock-in period, you can withdraw your money prematurely, but you will receive a lower interest rate as a penalty.