KVP Calculator

How KVP doubles your money

KVP compounds annually at the rate the Ministry of Finance notifies each quarter. At the Q3 FY 2025-26 rate of 7.5%, the doubling period is 115 months (9 years 7 months). The maturity certificate prints the exact maturity date so you can encash on or after that day at any post office. Premature closure is allowed after 2 years 6 months at a lower-yield slab.

Worked example

Invest ₹2,00,000 in KVP today. After 115 months your maturity value is exactly ₹4,00,000. The interest is fully taxable each year on accrual basis (or at maturity if you opt for it), but there is no TDS — you have to declare it under “Income from Other Sources” in your ITR. Compare against a 7.1% PPF that's tax-free under EEE: post-tax, PPF wins for slab-payers, but KVP is more flexible (no lock-in beyond 2.5 years, no annual contribution cap).

When to use this

• Parking a windfall like a Diwali bonus or property sale proceeds for a fixed 9–10 year goal
• Senior citizens who've exhausted SCSS limits and want sovereign-backed capital protection
• As collateral for a loan — KVP certificates are accepted by most PSU banks at 70–80% LTV

Compare with the NSC Calculator (5-year, 7.7%, 80C-eligible) or SCSS Calculator (senior citizens, 8.2%, quarterly payout) to pick the right post-office instrument for your goal.