Kisan Vikas Patra (KVP) Calculator
Your investment doubles in exactly 115 months (9 years, 7 months). KVP offers a guaranteed 2x return with full Government of India backing.
Investment Report
EQUIS Take (Asli Sach)
KVP apka paisa theek 115 mahino (lagbhag 9.5 saal) mein double karta hai. Lekin interest poori tarah taxable hai slab rate pe, isliye
The Math Behind Kisan Vikas Patra (KVP) Calculator
Understanding the true mechanics of this instrument helps you make optimal decisions with your money.
1. Guaranteed Doubling in 115 Months
KVP guarantees that your invested principal will exactly double in 115 months (9 years, 7 months) at the current 7.5% rate. The government adjusts the doubling period every quarter based on the KVP interest rate.
2. Encashable After 2.5 Years
While KVP matures in ~9.5 years, premature encashment is allowed any time after 2 years and 6 months from issue, without a penalty. This provides more flexibility than many 5-year lock-in schemes.
3. Fully Taxable at Maturity
All interest earned on KVP is taxable as 'Income from Other Sources' in the year of maturity. No TDS is deducted at payout — you are responsible for declaring and paying the full tax in your ITR for that year.