KVP Calculator
Kisan Vikas Patra — find out when your investment doubles at current rate.
Money Doubles In
9y 7m
At 7.5% p.a. compounded quarterly
Invested
₹1.00 L
Maturity
₹2.00 L
Time
9.58 yr
KVP Calculator visual insights
Maturity value
₹7.05 L
Interest Earned
₹2.05 L
How to Use This Calculator
Enter Amount
Set your loan amount or investment using the slider or input field.
Set Rate & Tenure
Adjust the interest rate and time period to match your scenario.
Get Results
See your EMI, total interest, and full payment breakdown instantly.
Share & Plan
Share the result link or download the amortization schedule as PDF.
About KVP Calculator
KVP Calculator helps you project retirement corpus, pension, provident fund value, and long-term savings maturity using India-focused assumptions and INR formatting. Kisan Vikas Patra — find out when your investment doubles at current rate.
This tool is useful for Indian families and salaried employees planning PPF, EPF, NPS, pension, gratuity, and small-savings schemes. It is designed for quick planning before comparing bank offers, investment options, tax choices, or scheme rules with a qualified professional.
The calculations are tailored for users in India and use Indian number formatting, rupee values, and locally relevant finance terms wherever applicable.
Results are estimates for education and planning. Final decisions should use official documents, lender statements, scheme rules, tax notices, or advice from a qualified professional.
Frequently Asked Questions
What is the current KVP interest rate in India?
Kisan Vikas Patra (KVP) offers 7.5% p.a. for Q1 FY 2026-27, compounded annually. At this rate the invested amount doubles in approximately 115 months (9 years and 7 months).
How long does it take for money to double in KVP?
KVP is designed to double your money. As of Q1 FY 2026-27, at 7.5% p.a., ₹1 lakh becomes ₹2 lakh in 115 months (9 years 7 months). The doubling period changes each quarter based on the interest rate.
Is KVP interest taxable?
Yes. KVP does not qualify for 80C deduction and the interest is fully taxable at your slab rate. TDS is not deducted, but you must declare the interest annually in your ITR under "income from other sources".
Can I withdraw KVP before maturity?
KVP has a lock-in of 2.5 years (30 months). Premature encashment is allowed after that, but you get back principal + interest based on a reduced rate as per the KVP encashment table.
Where can I buy KVP?
KVP certificates are available at India Post offices and select nationalised banks including SBI, Canara, PNB, BoI, and BoB. Minimum investment is ₹1,000 and there is no upper limit.
Related Calculators
Methodology & Formulas
All formulas used here comply with RBI guidelines and standard Indian financial conventions. Calculators are updated for FY 2026–27.
Last updated: April 2026