Prepared by Finin2min Editorial Desk · Rates and rules verified 5 October 2026
Kisan Vikas Patra (KVP) doubles your money in 115 months at the current 7.5% rate. Enter the amount to see the maturity value, the growth path, the tax on the interest and the post-tax return.
A Kisan Vikas Patra certificate is issued so that its value doubles at maturity. At the current 7.5% a year compounded annually, doubling takes 115 months (9 years 7 months) — the exact figure is 115.01 months, so the notified period is the nearest whole month.
When the rate changes, the maturity period for new certificates changes too (a higher rate gives a shorter period). The rate and period on the day of purchase stay fixed for your certificate.
For a ₹1 lakh certificate the interest is ₹1,00,000; at the 30% slab (31.2% with cess) the tax is ₹31,200 and the post-tax maturity is ₹1,68,800.
₹1,00,000 in KVP at 7.5%: maturity after 115 months = ₹2,00,000. Equivalent compound return = 7.50% a year. After tax at the 30% slab the return is about 5.62% a year.
A KVP can be encashed after 2 years 6 months (30 months) from the date of issue, and earlier only in specified cases such as the holder’s death or a court order. The post office pays the value from the official redemption table, which is stepwise by completed period. The year-wise figures here use annual compounding and are indicative; check the table at the post office for the exact premature value.
At the current 7.5% rate, 115 months (9 years 7 months). The maturity period changes when the government revises the rate.
Yes. KVP has no 80C benefit and its interest is taxable as income from other sources, at your slab rate.
Premature encashment is permitted after 30 months. The value then follows the post-office redemption table, which is lower than the maturity value.
No maximum. The minimum is ₹1,000 in multiples of ₹100. KYC (PAN/Aadhaar) is required under post-office rules.
KVP is a Government of India small-savings certificate, so the principal and interest are sovereign-backed.
Rates and rules shown here were checked against the sources above on 5 October 2026. Government notifications can change a rate or rule at short notice; always confirm on the official site before you invest, file or claim.
Educational estimate only. Tax, legal, financial or regulatory treatment depends on facts and the law applicable to the relevant period. Verify the current official source or obtain professional advice before acting.
Scope: Maturity value, doubling time and post-tax return of a Kisan Vikas Patra certificate.
The calculation engine was checked against an independently written reference implementation across 27 KVP input combinations, and against published figures where the scheme publishes them. Review date: 5 October 2026.
Prepared by Finin2min Editorial Desk. Educational estimate only.
Background, worked examples and the rules behind these numbers.