Kisan Vikas Patra (KVP) Calculator
Find out when your investment will double and its maturity value.
Maturity Amount
₹ —Total Interest Earned
₹ —Maturity Period
—Maturity Date
—Use the Kisan Vikas Patra Calculator to see when your investment will double. Get the exact maturity date and amount based on 2025 rates.
What is a Kisan Vikas Patra Calculator?
A Kisan Vikas Patra (KVP) Calculator is an online tool that shows you how long it will take for your investment in the KVP scheme to double and what its final value will be.
It helps you by:
- Providing Clarity: It instantly calculates your maturity date and the final doubled amount.
- Aiding Financial Planning: You know the exact date you will get your money back, making it easier to plan for future financial goals.
- Simplifying Investment Decisions: It quickly shows the outcome of your investment without any complex manual calculations.
How to Use the Kisan Vikas Patra Calculator
Using the calculator is very straightforward:
- Enter the Investment Amount: Input the total sum you wish to invest (minimum is ₹1,000).
- Enter the Investment Date: Select the date you are starting the investment.
- Click Calculate: The tool will immediately show you the maturity amount, maturity date, and total interest you will earn.
Advantages of Using the Kisan Vikas Patra Calculator
- Instant & Accurate: Get precise calculations in a second, based on the latest interest rates.
- Saves Time: Eliminates the need to calculate the maturity date and interest manually.
- Easy to Use: The simple interface makes it accessible to everyone, regardless of financial knowledge.
- Goal Planning: Helps you align your investment with specific life goals by providing a definite maturity timeline.
How Does the Kisan Vikas Patra Calculator Work?
The KVP calculator's logic is very simple because the scheme has a straightforward promise: it doubles your money in a fixed period.
The calculator works by taking your investment date and adding the pre-defined maturity period (currently 115 months) to it.
For example, if you invest on August 16, 2025, the calculator adds 115 months to that date to arrive at your exact maturity date. The maturity value is always just your initial investment multiplied by two.
How to Calculate the Interest of Kisan Vikas Patra?
While you don't need to calculate it manually (the scheme guarantees your money will double), the interest is compounded annually at the rate applicable when you invested. The rate is set in such a way that the principal amount doubles over the specified tenure.
For example, an investment of ₹1,00,000 will become ₹2,00,000 in 115 months at the current interest rate of 7.5%. The total interest earned is simply the maturity amount minus the investment amount (₹2,00,000 - ₹1,00,000 = ₹1,00,000).
KVP Interest Rate Chart 2025
| Period | Interest Rate (%) | Maturity Period (Months) |
|---|---|---|
| 23-09-2014 to 31-03-2016 | 8.7 | 100 |
| 01-04-2016 to 30-09-2016 | 7.8 | 110 |
| 01-10-2016 to 31-03-2017 | 7.7 | 112 |
| 01-04-2017 to 30-06-2017 | 7.6 | 113 |
| 01-07-2017 to 31-12-2017 | 7.5 | 115 |
| 01-01-2018 to 30-09-2018 | 7.3 | 118 |
| 01-10-2018 to 30-06-2019 | 7.7 | 112 |
| 01-07-2019 to 31-03-2020 | 7.6 | 113 |
| 01-04-2020 to 30-06-2022 | 6.9 | 124 |
| 01-07-2022 to 30-09-2022 | 6.9 | 124 |
| 01-10-2022 to 31-12-2022 | 7.0 | 123 |
| 01-01-2023 to 31-03-2023 | 7.2 | 120 |
| 01-04-2023 to 30-06-2023 | 7.5 | 115 |
| 01-07-2023 to 30-09-2023 | 7.5 | 115 |
| 01-10-2023 to 31-12-2023 | 7.5 | 115 |
| 01-01-2024 to 31-03-2024 | 7.5 | 115 |
| 01-04-2024 to 30-06-2024 | 7.5 | 115 |
| 01-07-2024 to 30-09-2024 | 7.5 | 115 |
| 01-10-2024 to 31-12-2024 | 7.5 | 115 |
| 01-01-2025 to 31-03-2025 | 7.5 | 115 |
| 01-04-2025 to 30-06-2025 | 7.5 | 115 |
| 01-07-2025 to 30-09-2025 | 7.5 | 115 |
Which is better, KVP or FD?
The choice between KVP and a Fixed Deposit (FD) depends on your financial goals.
| Feature | Kisan Vikas Patra (KVP) | Fixed Deposit (FD) |
| Interest Rate | Fixed for the tenure; currently 7.5% (compounded annually). | Varies between banks (typically 3% to 8%); can be floating or fixed. |
| Taxation | Interest is fully taxable. No tax benefits under Section 80C. | Interest is fully taxable as per your income slab. Can claim 80C deduction on 5-year tax-saver FDs. |
| Lock-in Period | Currently 115 months (9 years, 7 months). Premature withdrawal is allowed after 2.5 years with a penalty. | Flexible, from 7 days to 10 years. Penalties apply for premature withdrawal. |
| Loan Facility | Yes, you can take a loan against it. | Yes, you can take a loan against it. |
Choose KVP if: You want a safe, long-term investment and are comfortable with the lock-in period to double your money. Choose FD if: You need more flexibility with the investment tenure and want to take advantage of 80C tax benefits (with a 5-year lock-in).
Which is better, KVP or PPF?
This comparison depends heavily on your tax-saving needs and risk appetite.
| Feature | Kisan Vikas Patra (KVP) | Public Provident Fund (PPF) |
| Taxation | Taxable. Interest is added to your income and taxed. | Tax-Free (EEE Status). Investment, interest, and maturity amount are all tax-exempt. |
| Interest Rate | 7.5% (July-Sep 2025), fixed for the tenure. | 7.1% (July-Sep 2025), revised quarterly. |
| Investment Limit | No upper limit. | Maximum ₹1.5 lakh per financial year. |
| Lock-in Period | 115 months (9 years, 7 months). | 15 years, with partial withdrawal allowed after the 7th year. |
Choose KVP if: You have a lump sum amount larger than ₹1.5 lakh to invest for the long term and are not primarily seeking tax benefits. Choose PPF if: Your main goal is tax-saving and building a tax-free retirement corpus, and you are comfortable with the longer 15-year lock-in period. For most tax-paying individuals, PPF is the superior option due to its tax-free status.
Can I Invest ₹10 Lakhs in KVP?
Yes, you can invest ₹10 lakhs in KVP. There is no maximum limit on the amount you can invest in the Kisan Vikas Patra scheme. The minimum investment amount is ₹1,000.
What is the Maturity period of KVP 2025?
For investments made in the current quarter (July-September 2025), the maturity period for Kisan Vikas Patra is 115 months, which is equal to 9 years and 7 months.
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