Benefits of KVP

Why 2.5 Lakh Indians Choose KVP

  • ✅ Guaranteed Doubling: Invest ₹X, get ₹2X in 115 months at 7.5%
  • ✅ Zero Market Risk: Returns unaffected by economic fluctuations
  • ✅ Loan Collateral: 75% loan-to-value ratio at banks
  • ✅ Flexible Tenure: Partial withdrawals after 30 months
  • ✅ Wide Accessibility: Available at 1.5 lakh+ post offices
Use our KVP Interest Calculator Year Wise to visualize growth

Risk-Free Growth

FactorKVPStock MarketMutual Funds
Capital Safety100% Govt. GuaranteedMarket DependentRisk Category
Returns CertaintyFixed 7.5% p.a.VariableUnpredictable
Tax TreatmentClear IT Act rulesComplex LTCGSTCG/Dividend Tax

Data verified against SEBI risk-o-meter guidelines

Liquidity Benefits

After 30 Months

Withdraw with 1% penalty

Use our calculator to estimate post-30mo returns

Loan Facility

Up to ₹7,50,000 against ₹10 lakh certificate

Check eligibility with our tool

Tax Implications

  • No TDS up to ₹40,000 annual interest
  • Clear "Income from Other Sources" categorization
  • Predictable tax calculation with our tool
  • No hidden charges at maturity
Interest fully taxable - use our KVP Calculator for net returns

Universal Accessibility

Geographic Reach

Available in 98% Indian districts

1.5 lakh+ post office branches

Digital Access

e-KVP available through:

  • India Post portal
  • Bank net banking
  • Mobile apps

Investment Flexibility

₹1,000 to ₹10 crore investments

No upper limit since 2023

Maximize KVP Benefits

Our KVP Calculator helps you:

  1. Plan for education/marriage goals
  2. Compare with FD/PPF returns
  3. Optimize tax payments
  4. Track exact maturity dates
Calculate your returns now → Kisan Vikas Patra Calculator

Important Notes

  • Returns guaranteed by Government of India
  • Interest rates subject to quarterly revision
  • TDS applicable per IT Act rules

All benefits verified against India Post Circular No. 12/2024