KVP Calculator — When Will Your Money Double?
Calculate how KVP doubles your money at the current interest rate. See maturity value and compare with other post office savings schemes.
Kisan Vikas Patra doubles your investment in approximately 115 months (9 years 7 months) at the current 7.5% interest rate. There is no maximum investment limit making it attractive for large lump sums. KVP does not offer any tax deduction under 80C but the guaranteed doubling makes it popular among conservative investors seeking simple predictable returns.
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Key Information
| Parameter | Details |
|---|---|
| Interest Rate (2026) | 7.5% compounded annually |
| Doubling Time | 115 months (9 years 7 months) |
| Minimum Investment | Rs 1000 |
| Maximum Investment | No limit |
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Use Calculator NowFrequently Asked Questions
How much does KVP give on Rs 5 lakh?
Rs 5 lakh in KVP at 7.5% doubles to Rs 10 lakh in 115 months. Rs 10 lakh doubles to Rs 20 lakh. Rs 25 lakh doubles to Rs 50 lakh. The guaranteed doubling regardless of market conditions makes KVP one of the simplest investment products available.
KVP vs FD which gives more?
KVP at 7.5% compounded annually gives slightly more than most bank FDs at 6.5-7.5% with quarterly compounding over 9+ years. However KVP locks your money for the full term (premature withdrawal after 2.5 years with penalty) while FD offers flexible tenures. For 10+ year goals KVP slight rate advantage compounds meaningfully.
Can I withdraw KVP early?
KVP can be prematurely encashed after 2.5 years (30 months) from the date of issue. No encashment is possible before 2.5 years except in case of death of the holder or on court order. The early encashment gives you less than the maturity value calculated at a reduced rate. It is designed as a 10-year commitment.
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Last updated: March 2026