KVP Calculator India — Kisan Vikas Patra Doubling Period 2026
Real-World Examples — 2026
₹1 lakh KVP at 7.5% for 115 months
₹1 lakh invested in KVP at 7.5% p.a. doubles to ₹2 lakh in 115 months (9 years 7 months). Annual compounding gives exact maturity: ₹2,00,000. Effective CAGR confirmation: 7.5%.
₹5 lakh KVP — interest income over tenure
₹5 lakh KVP at 7.5% matures at ₹10 lakh after 115 months, earning ₹5 lakh interest. This interest is taxable at slab rates — at 20% slab, tax on ₹5 lakh is ₹1,04,000 (with cess).
Frequently Asked Questions
What is Kisan Vikas Patra (KVP)?
KVP is a Post Office saving certificate that doubles your money in approximately 115 months (9 years 7 months) at the current rate of 7.5% p.a. Available at all post offices and authorised banks. There is no maximum investment limit. Interest is compounded annually.
Is KVP taxable?
KVP interest is fully taxable as 'income from other sources' at your applicable income tax slab rate. No TDS is deducted but you must declare the interest annually in your ITR. KVP does not offer any Section 80C deduction.
Can KVP be transferred and pledged?
Yes. KVP certificates can be transferred between individuals (on death or as a gift) and can be pledged as security for loans. They can be encashed prematurely after 2.5 years at reduced rates.
Is the KVP Calculator free?
Yes, the KVP Calculator on CalcPhi is completely free with no registration required.
Are my inputs stored?
No. All calculations run in your browser. We do not store any financial data.
Can I use the KVP Calculator on mobile?
Yes. CalcPhi is fully mobile-optimised and works on all modern smartphones.