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Kisan Vikas Patra (KVP) calculator

Where KVP fits

KVP suits money you will not need for almost a decade. For a shorter lock-in, compare the NSC calculator.

Sources

What this calculator does not account for

  • Tax on the interest, which is fully taxable.
  • Early encashment values before maturity.
  • Future quarters, which may notify a different doubling term.

How this is calculated

Formula: Doubling term

maturity =2 × deposit after 115 months

What the symbols mean

  • depositFrom ₹1,000, in multiples of ₹100. No upper limit.
  • 115 monthsThe term notified with the 7.5% rate; 1.075^(115/12) ≈ 2.

Good to know

  • Rates for 1 October – 31 December 2026, unchanged from the previous quarter. The government reviews them every quarter; a deposit keeps the rate it was opened at.

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Worked examples

Each example is worked out by the same code as the calculator above.

₹50,000 in KVP

It pays ₹1,00,000 after 115 months (9 years 7 months). Doubling in 115 months works out to 7.5% a year, compounded.

Embed this calculator

The frame shows the tool only.

<iframe src="/embed/kvp" title="KVP" width="100%" height="720" style="border:0;max-width:42rem" loading="lazy"></iframe>

Questions

How long does KVP take to double money?

115 months, which is 9 years and 7 months, for a certificate bought between October and December 2026.

Can I cash KVP early?

After 2 years and 6 months, at the value on the table for that date.

Does KVP save tax?

No. The interest is taxable and the deposit gets no deduction.