Financial Calculators
KVP Calculator
One promise, kept by the sovereign: your money doubles. See how long it takes at the current rate.
Money doubles in about
115 months
9.58 years at this rate
- Investment
- ₹1,00,000
- Maturity value
- ₹2,00,000
Kisan Vikas Patra doubles your money over a tenure set by the notified rate. Interest is taxable at slab rate, and there is no 80C benefit; it competes on sovereign safety and simplicity.
The doubling certificate
Kisan Vikas Patra makes a single, memorable promise: invest a sum and it doubles by maturity. The tenure is set by the notified rate, historically around nine to ten years, and the certificate is backed by the government and sold through post offices with no upper limit.
Its trade-offs are equally simple: interest is fully taxable at slab rate, there is no 80C benefit, and the implied return is the notified rate, no more. KVP competes on certainty and simplicity, not on growth.
How the calculation works
Doubling time (years) = ln(2) / ln(1 + rate/100)\nMaturity = 2 x investment, at the end of that periodWorked example: at 7.5%, money doubles in about 9.58 years, roughly 115 months; Rs 1,00,000 invested becomes Rs 2,00,000 at maturity.
Frequently asked questions
Is there a lock-in?
Yes; encashment is permitted after a prescribed lock-in period, with the full doubling only at maturity.
Is KVP interest taxable?
Yes, fully at your slab rate, and the investment does not qualify under 80C.
KVP or NSC?
NSC adds the 80C benefit over a fixed 5-year term; KVP offers the simplicity of a doubling promise over a longer tenure. Compare post-tax outcomes for your slab.
Will equity beat KVP?
Historically, over long periods, diversified equity has doubled money faster, with volatility along the way. The Rule of 72 calculator makes the comparison vivid.
Doubling is the floor. Aim higher.
For money you can commit for a decade, we will show you what disciplined equity can do.