Check Credit Score for FREE

Instant in 2 Mins. No Impact on Credit Score

Kisan Vikas Patra Calculator

Total Amount Investing

Enter value between 1000 to 50 lakhs

₹

1000 50 lakh

KVP Annual Interest Rate

7.2 %

Time Period

9 Years 7 Months

Amount Invested

₹ 17,761

Maturity Amount

₹ 9,57,568

Kisan Vikas Patra (KVP) Calculator

A Kisan Vikas Patra calculator is an online tool that helps you calculate your investment growth and maturity amount based on your investment and how long you keep it. The calculator uses the current interest rate (7.5%, as per December’25), fixed tenure (currently, 115 months) and compounding rules to predict your earnings at maturity.

This tool uses the current KVP interest rate and tenure to provide accurate results, enabling investors to plan their savings effectively without manual calculations. It is especially useful for individuals looking for risk-free investment options with guaranteed returns.

How to Use Formula Example Benefits Key Features Interest Rates Eligibility How to Invest Documents Required FAQs

How to Use the Digit KVP Calculator?

Using the Digit’s KVP interest rate calculator is simple and hassle-free. To use the Digit APY calculator, you need to follow the steps mentioned below:

Step 1

Enter the amount you plan to invest in KVP. The minimum investment is ₹1,000.

Step 2

The calculator will automatically show the current KVP annual interest rate and fixed tenure.

Step 3

After entering the data, the calculator will show the total amount invested and the maturity amount.

What is the Formula to Calculate KVP?

The calculation of maturity amount on the KVP interest rate calculator is based on the compound interest formula, since the interest rate is compounded annually.

The formula used to calculate the maturity amount is:

A = P (1 + r/n)^(nt)

Where,

A - Maturity Amount
P - Principal Amount (Initial Investment)
r - Annual Interest Rate (in decimal)
n - Number of times interest is compounded per year (for KVP, it’s usually annually, so n = 1)
t - Time period in years

Example to Understand the KVP Interest Rate Calculation

Before delving into various calculation metrics applicable in a kisan vikas patra calculator, consider the following example. This will make it easier for you to understand the formula mentioned above.

Akash decides to invest ₹50,000 in Kisan Vikas Patra, as of 26th December 2025. The current interest rate offered on KVP is 7.5% per annum, compounded annually. The scheme promises to double the investment over a fixed tenure, which is approximately 9 years and 7 months (9.58 years) at this rate.

Keeping the numbers in the formula, we get:

A = 50,000 × ( 1 + 0.075 / 1 )^(1 × 9.58)

A = ₹1,00,000

Hence, Akash’s ₹50,000 investment will grow to ₹1,00,000 at maturity.

Benefits of Using KVP Premature Withdrawal Calculator

While KVP is designed for long-term savings, life uncertainties may require early withdrawal. This calculator helps you make informed decisions by providing accurate estimates of the amount you will receive if you withdraw before the full tenure. Here are the key benefits:

Key Features of Kisan Vikas Patra

Before investing in KVP, it’s important to understand its key features, such as investment limits, tenure, interest rate, and tax implications. The table below highlights all the essential details at a glance:

Feature	Details
Investment Amount	Minimum: ₹1,000 Maximum: No upper limit
Tenure	Maturity Period: 115 months (approx. 9 years 7 months)
Interest Rate	Current Rate: 7.5% per annum
Guaranteed Returns	Assured doubling of investment at maturity, making it a low-risk option.
Nomination Facility	Allows nomination to ensure benefits go to the nominee in case of the investor’s demise.
Tax Implications	Interest earned is taxable as per the income tax slab

Note: Interest rates, tenure, and other features of Kisan Vikas Patra are subject to periodic revisions by the Government of India.

Interest Rate Chart for KVP Scheme 2025

The rate of interest for this scheme varies periodically depending on the updates by the Ministry of Finance. The current rate of interest as of December 2025, applicable to this scheme, is 7.5% per annum, which can double one’s investment in 115 months.

According to National Savings Institute, the table below indicates the fluctuations in this interest rate after the relaunch of KVP in 2014 till 2025:

Duration	Rate of Interest (%) & Maturity
01-04-2023 to 31-12-2025	7.5% (115 Months)
01-01-2023 to 31-03-2023	7.2% (120 Months)
01-10-2022 to 31-12-2022	7.0% (123 Months)
01-04-2020 to 30-09-2022	6.9% (124 Months)
01-07-2019 to 31-03-2020	7.6% (113 Months)
01-10-2018 to 30-06-2019	7.7% (112 Months)
01-01-2018 to 30-09-2018	7.3% (118 Months)
01-07-2017 to 31-12-2017	7.5% (115 Months)
01-04-2017 to 30-06-2017	7.6% (113 Months)
01-10-2016 to 31-03-2017	7.7% (112 Months)
01-04-2016 to 30-09-2016	7.8% (110 Months)
23-09-2014 to 31-03-2016	8.7% (100 Months)

How to Calculate Premature Closure Value for KVP?

To close a Kisan Vikas Patra (KVP) before maturity, you need to first calculate the value of your investment. The maturity period of KVP is up to 9 years and 7 months, and you can withdraw the principal amount and interest. However, you must have held the investment for at least 2 years and 6 months for premature withdrawal.

The table presents the premature closure value of an account opened on or after the notification date with an initial deposit of ₹1,000.

Duration Between Account Opening Date and Premature Closure Date	Amount Payable (with Taxes)
2.5 years to less than 3 years	₹1173
3 years to less than 3.5 years	₹1211
3.5 years to less than 4 years	₹1251
4 years to less than 4.5 years	₹1291
4.5 years to less than 5 years	₹1333
5 years to less than 5.5 years	₹1377
5.5 years to less than 6 years	₹1421
6 years to less than 6.5 years	₹1467
Minimum: 6.5 years Maximum: 7 years	Rs.1,515
Minimum: 7 years Maximum: 7.5 years	Rs.1,564
Minimum: 7.5 years Maximum: 8 years	Rs.1,615
Minimum: 8 years Maximum: 8.7 years	Rs.1,722
Minimum:9 years and above Maximum: Before maturity	Rs.1,788
On Maturity (9 years and 7 months)	Rs.2,000

Note: Premature encashment of Kisan Vikas Patra is allowed only under specific circumstances. These include

The unfortunate death of the account holder (or either holder in case of a joint account)
Compliance with a court order
When the certificate is taken back due to a pledge with a Gazette Government Officer.

Tools That Helps You Save Tax

Income Tax Calculator

80D Calculator

HRA Exemption Calculator

Eligibility Criteria for Applying Kisan Vikas Patra

Before investing in Kisan Vikas Patra, it’s important to know who can open an account under this scheme. The following are the eligibility criteria for KVP:

You must be an Indian citizen.
You must be at least 18 years old. There is no upper age limit.
An adult can apply for a minor in the case of a specially abled child.

How to Invest in Kisan Vikas Patra Online?

Currently, Kisan Vikas Patra cannot be purchased completely online like other digital investment products. It is a government-backed savings scheme offered through India Post, and the process involves visiting a post office or authorised bank branch. Here’s how you can do it:

Step 1

Visit a designated post office that issues KVP certificates and Fill out the required form by providing personal details and investment amount.

Step 2

Submit documents, such as identity proof, address proof, photograph, and any other necessary documents as per post office requirements.

Step 3

Pay the desired investment amount in cash, demand draft, or cheque. After verification, you will receive a KVP certificate which you have to hold until maturity.

Documents Required for Kisan Vikas Patra

Here is a list of documents you need to present while applying for the KVP scheme:

Identification Proof

Address Proof

KVP Application Form

Birth Certificate

KYC Document

What are the Benefits of Kisan Vikas Patra Scheme?

KVP scheme is one of the most trusted small savings options in India, offering guaranteed returns and financial security. Here are the key benefits that make KVP a popular choice among investors:

The Kisan Vikas Patra Calculator is an essential tool for anyone planning to invest in this government-backed savings scheme. It simplifies complex calculations by instantly showing the maturity amount, interest earned, and tenure based on the latest interest rates.

By using the calculator, investors can make informed decisions, plan long-term goals, and ensure financial security with guaranteed returns.

FAQs about Kisan Vikas Patra (KVP) Calculator

All

What are the inputs required to operate a KVP calculator?

Users need to provide the initial investment amount to get the results for their maturity value via a KVP calculator.

How does a KVP calculator determine the applicable interest rate for an investment?

The interest rate for the KVP scheme is set by the Ministry of Finance for a financial year. A KVP calculator uses this set of information to provide the results. Currently, the interest rate for an investment is around 7.5% per annum.

Can Kisan Vikas Patra (KVP) be withdrawn after 2.5 years?

Yes, you can withdraw your KVP investment after a lock-in period of 2.5 years from the certificate's initial issue date. Moreover, you must bring your identity slip with you to the withdrawal process.

Does Kisan Vikas Patra (KVP) involve any risks?

No, KVP is a risk-free investment option provided by the Indian post office. Many people in the country prefer it for its safety. It's a great choice for those seeking long-term investments.

Who cannot invest in KVP?

Hindu Undivided Family (HUF) and Non-Resident Indians (NRIs) cannot invest in KVP.

How is KVP interest calculated?

Kisan Vikas Patra (KVP) interest is compounded annually and calculated based on the invested amount, the prevailing interest rate at the time of investment, and the investment duration.

Is KVP a one-time investment?

Yes, KVP is a one-time investment scheme with a minimum amount of ₹1,000.

What is the interest rate type in KVP - fixed or floating?

KVP is a fixed-rate small savings scheme designed to double your investment after a predetermined period of time.

How to close my KVP before maturing?

Though individuals can withdraw their KVP certificate at their convenience, premature withdrawals from Kisan Vikas Patra incur additional penalties determined by the duration from the issue date to the withdrawal date.

How can I find my KVP maturity amount?

To calculate the maturity amount of your Kisan Vikas Patra (KVP), follow these steps on the Digit website or app. Input your investment amount; the tool will automatically show the interest rate and time period. After entering inputs, your maturity amount will be visible based on the details you entered.

Who Can Invest in Kisan Vikas Patra (KVP)?

Any Indian citizen above the age of 18 can invest in KVP. Even people in rural areas without bank accounts can simply go to the nearest post office branch and invest in the scheme.

Are returns from the KVP calculator accurate?

Yes, the returns shown by the Digit’s KVP Calculator are accurate because the tool uses the official interest rate notified by the Government of India and applies the correct compound interest formula.

Why should I use the KVP calculator?

The KVP Calculator saves time and effort by instantly calculating your maturity amount, interest earned, and tenure based on your investment. It eliminates manual calculations, reduces errors, and helps you plan your financial goals effectively.

What is the current interest rate for KVP?

As of now, the Kisan Vikas Patra interest rate is 7.5% per annum, compounded quarterly. At this rate, your investment will double in approximately 115 months (9 years and 7 months).