KVP Calculator
Kisan Vikas Patra Maturity Calculator - Money Doubles in 115 Months
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Interest
Maturity Amount
📊 KVP Calculator India (FY 2026-27)
Calculate Kisan Vikas Patra (KVP) maturity amount with current interest rate of 7.5% p.a. for FY 2026-27. KVP is a post office savings scheme where your money doubles in 115 months.
💡 What is KVP (Kisan Vikas Patra)?
KVP is a government-backed savings certificate offered by India Post. It's designed to double your money in a fixed tenure of 115 months (9 years 7 months) with guaranteed returns.
🧮 KVP Calculation Formula
Maturity Amount = P × 2 (Money doubles)
- P = Principal investment
- Maturity Period = 115 months at 7.5% interest rate
- Returns = Guaranteed, compounded annually
📈 KVP Interest Rate (FY 2026-27)
Current KVP interest rate: 7.5% per annum (compounded annually). At this rate, money doubles in 115 months. The rate is revised quarterly by the Government of India.
📌 KVP Key Features
- ✔ Minimum Investment: ₹1,000 (no maximum limit)
- ✔ Maturity Period: 115 months (~9.6 years)
- ✔ Premature Withdrawal: Allowed after 30 months with penalty
- ✔ Interest: Compounded annually, taxable as per income tax slab
- ✔ Transferable: Can be transferred from one person to another
- ✔ Available at: All India Post branches
💰 KVP vs NSC
| Feature | KVP | NSC |
|---|---|---|
| Interest Rate | 7.5% p.a. | 7.7% p.a. |
| Maturity | 115 months | 5 years |
| 80C Benefit | No | Yes |
| Premature Exit | After 30 months | Not allowed |
❓ FAQ - KVP Calculator
1. What is KVP?
Kisan Vikas Patra is a post office savings scheme where your money doubles in 115 months at 7.5% interest.
2. What is the current KVP interest rate?
The KVP interest rate for FY 2026-27 is 7.5% per annum compounded annually.
3. When does KVP mature?
KVP matures in 115 months (9 years 7 months) at the current interest rate of 7.5%.
4. Is KVP tax-free?
No, KVP does not provide any tax benefits. Interest earned is fully taxable as per your income tax slab.
5. Can I withdraw KVP before maturity?
Yes, premature withdrawal is allowed after 30 months, but with a penalty on interest.
6. What is the minimum investment in KVP?
The minimum investment is ₹1,000 with no maximum limit.
7. Can NRIs invest in KVP?
No, NRIs (Non-Resident Indians) are not eligible to invest in KVP.
8. Is KVP better than FD?
KVP offers similar returns to FDs but with the unique feature of money doubling and no maximum investment limit.
👉 This calculator provides estimated KVP maturity based on current interest rates for FY 2026-27. Actual rates may vary quarterly.