No — full interest is taxable at your income tax slab rate. Principal does NOT qualify for Section 80C deduction. TDS is not deducted (you must self-report), but you pay tax when you file ITR. Compare with PPF (fully tax-free) if tax-efficiency matters.

KVP: 115 months, 7.5%, no tax benefit, guaranteed 2×. PPF: 15 years, 7.1%, triple tax-exempt EEE, 80C benefit. NSC: 5 years, 7.7%, 80C benefit on principal + years 1-4 interest deemed reinvested. For pure doubling with no tax benefit: KVP. For tax-efficient long-term: PPF.

Can I withdraw KVP early?

Encashment allowed after 2 years 6 months from purchase, at pre-fixed reduced value. If encashed 30 months to 3 years: ~1.3× principal; longer wait = higher value. Before 30 months: only refund of principal in exceptional cases (death, court order).

No — full interest is taxable at your income tax slab rate. Principal does NOT qualify for Section 80C deduction. TDS is not deducted (you must self-report), but you pay tax when you file ITR. Compare with PPF (fully tax-free) if tax-efficiency matters.

KVP: 115 months, 7.5%, no tax benefit, guaranteed 2×. PPF: 15 years, 7.1%, triple tax-exempt EEE, 80C benefit. NSC: 5 years, 7.7%, 80C benefit on principal + years 1-4 interest deemed reinvested. For pure doubling with no tax benefit: KVP. For tax-efficient long-term: PPF.

Can I withdraw KVP early?

Encashment allowed after 2 years 6 months from purchase, at pre-fixed reduced value. If encashed 30 months to 3 years: ~1.3× principal; longer wait = higher value. Before 30 months: only refund of principal in exceptional cases (death, court order).

Kisan Vikas Patra (KVP) Calculator

Post Office KVP — money doubles in current 115 months (9 years 7 months) at 7.5% p.a. compounded annually. Government-backed.

Result

Maturity value (2× principal)

₹200,000

Deposit₹100,000
Interest earned₹100,000
Time to maturityKVP always matures at 2× principal — tenure adjusts with rate116 months (9.6 years)
Interest rateCompounded annually. Locked at purchase.7.50%

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How to use this calculator

Enter your deposit amount.
Enter the current KVP rate.
Read the maturity value (2× deposit) + exact months to maturity.

About this tool

Kisan Vikas Patra (KVP) is a Post Office savings certificate that DOUBLES your money in a fixed tenure — currently 115 months (9 years, 7 months) at 7.5% p.a. Rate is set quarterly by the Ministry of Finance; when the rate changes, the tenure changes (KVP always matures at exactly 2× principal). Guaranteed by Government of India, backed by full sovereign credit. NO Section 80C benefit and interest is fully taxable at your slab rate. Best suited for conservative long-term goals where guaranteed doubling matters more than tax-efficiency.

Frequently asked

At current 7.5% rate (Q3 FY 2025-26): 115 months = 9 years 7 months. When RBI revises the rate, tenure changes accordingly (higher rate = shorter tenure). Once you buy, rate + tenure are LOCKED for your certificate.