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%
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.
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