KVP Calculator
Find out how many months it takes for your Kisan Vikas Patra to double and track its growth year by year.
How KVP works
KVP is a post office certificate where the government guarantees your money will double. You put in a lump sum, wait for the doubling period, and get back exactly twice what you put in. No market risk, no surprises. The time it takes depends on the interest rate, which the government changes every quarter. At 7.5%, your money doubles in about 115 months.
Interest compounds annually. There's no upper limit on investment, and you can transfer the certificates to someone else or use them as loan collateral. One thing to note: unlike PPF or SSY, KVP interest is taxable. TDS kicks in if the interest crosses ₹40,000 in a year (₹50,000 for senior citizens). For the current rate, check the India Post KVP page.
Common questions
Is there a cap on how much I can invest?
No cap. Start from ₹1,000, buy as many certificates as you want. If you invest ₹10 lakh or more in a year, you'll need PAN. Under the old tax regime, KVP qualifies for 80C deduction.
Do I pay tax on the interest?
Yes. KVP interest counts as income in the year it accrues. If interest in a year crosses ₹40,000 (₹50,000 for senior citizens), TDS is deducted. This makes it different from PPF and SSY, which are fully tax-free.
Can I cash out early?
Not before 2 years and 6 months. After that you can, but the interest paid will be lower than the full-term rate. You only get the full doubled amount if you hold until maturity.
Add KVP Calculator to your website
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