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KVPSavings
Kisan Vikas Patra
Current interest rate
7.5% p.a.
Rates valid for Q3 2026-27 (Oct-Dec)
A certificate scheme that doubles your one-time investment in a predefined tenure (currently 115 months).
Key details
- Minimum deposit₹1,000
- Maximum depositNo limit
- Tenure115 Months
- CompoundingAnnually
- Tax benefitsNone
Features and benefits
- Amount doubles in 115 months
- Easily transferable
- Can be pledged for loans
Tax & inflation view
Tax regime
- Tax saved via 80C (total)
- ₹0
- Tax on interest
- -₹19,997
- Post-tax value
- ₹1,79,988
- In today's money
- ₹1,10,497
Estimate only. Excludes surcharge and cess; interest is taxed in the year it accrues.
KVP calculator
1 lakh
₹1K₹50L
Duration (years)
115 months Fixed tenure
Total invested
₹1,00,000
Total interest
₹99,985
Maturity value
₹1,99,985
Year-by-year growth
| Year | Opening | Deposit | Interest | Closing |
|---|---|---|---|---|
| 1 | ₹0 | ₹1,00,000 | +₹7,500 | ₹1,07,500 |
| 2 | ₹1,07,500 | — | +₹8,062 | ₹1,15,562 |
| 3 | ₹1,15,562 | — | +₹8,667 | ₹1,24,230 |
| 4 | ₹1,24,230 | — | +₹9,317 | ₹1,33,547 |
| 5 | ₹1,33,547 | — | +₹10,016 | ₹1,43,563 |
| 6 | ₹1,43,563 | — | +₹10,767 | ₹1,54,330 |
| 7 | ₹1,54,330 | — | +₹11,575 | ₹1,65,905 |
| 8 | ₹1,65,905 | — | +₹12,443 | ₹1,78,348 |
| 9 | ₹1,78,348 | — | +₹13,376 | ₹1,91,724 |
| 10 | ₹1,91,724 | — | +₹8,261 | ₹1,99,985 |
Maturity value · 115 months
₹1,99,985
Total interest
+₹99.99K