Calculate when your Kisan Vikas Patra investment will double
Kisan Vikas Patra: 7.5% a year, so your money doubles in 115 months. Rate for October–December 2026, notified on 30 September 2026; the government reviews it every quarter.
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Results are estimates, not financial advice. Rates, charges and rules change, so confirm with your bank, post office or a financial adviser before you decide. Terms of use
How to Use
- Enter the investment amount (at least ₹1,000, in multiples of ₹100; there's no upper limit).
- Pick the date of investment. It starts at today's date; change it if you already hold a certificate.
- The maturity date (115 months later) and the doubled maturity amount appear straight away, with the interest you earn. Use pdf to save a printable copy or share to send it.
What is Kisan Vikas Patra?
Kisan Vikas Patra (KVP) is a Post Office savings scheme that doubles your money over a fixed period. It was relaunched in 2014 and you can buy it at any India Post branch and at some public sector banks. The name means "Farmers' Growth Certificate", but any Indian resident can invest. This Kisan Vikas Patra calculator gives you the maturity date and amount: put in ₹1 lakh on 1 January 2026 and you get ₹2 lakh on 1 August 2035.
Current terms (October–December 2026)
| Feature | Details |
|---|---|
| Interest Rate | 7.5% p.a. (compounded annually) |
| Doubling Period | About 115 months (9 years 7 months) |
| Minimum Investment | ₹1,000 (no maximum) |
| Lock-in | 2.5 years (premature closure allowed after that) |
| Tax Benefit | No 80C benefit; interest is taxable |
Who should invest?
- People who want their money doubled on a guaranteed date, with nothing to manage.
- Those who don't need an 80C deduction but want more certainty than equity gives.
- Retirees and careful investors looking for safe returns that beat inflation.
Tip: banks accept KVP certificates as security for loans, which can help small business owners.