If you are looking for a safe and guaranteed return investment option, then Post Office Kisan Vikas Patra (KVP) can be a great plan for you. This scheme is run by the Indian Postal Department and your money is doubled in a certain time. In 2025, changes have been made to interest rates and other facilities under this scheme. Let us understand the complete information of this scheme in detail.
What is Kisan Vikas Patra (KVP)?
The Kisan Vikas Patra (KVP) is a government savings scheme, which was launched in 1988. It aims to motivate people from rural and urban areas to save for long periods. In this scheme you invest a certain amount, which doubles on time.
This scheme is ideal for those who want to invest safely while avoiding market risk. The KVP interest rate in 2025 is 7.5% per year (compounded annually), and the amount invested doubles in 113 months (9 years and 5 months).
KVP Scheme Overview (Summary)
| Speciality | Description |
| Type of scheme | Fixed Deposit Certificate Scheme |
| Interest rate | 7.5% per year |
| Maturity period | 113 months (9 years and 5 months) |
| Minimum investment amount | ₹ 1,000 (in multiplier of ₹ 100) |
| Maximum investment amount | No limit |
| Lock-in period | 2.5 years (30 months) |
| Eligibility | Indian resident (also involved minor) |
| tax benefit | Tax benefits on principal only |
The main features of kvp scheme
- Guarantee Return: This scheme gives guarantee returns. Market instability has no effect on this.
- Money doubled: The amount invested doubles at the scheduled time.
- Government Safety: This is a government -backed scheme, so the risk is very low.
- Fixed interest rate: The interest rate of the scheme remains stable for the entire tenure.
- Flexible transfer: The KVP certificate can be transferred from one person to another or from one post office to another.
- Enrollment facility: You can nominate a member of your family.
KVP Scheme Eligibility (Eligibility)
- Any Indian citizen who is 18 years or older.
- Minors can also invest through their guardian.
- Non-resident Indians (NRI) and Hindu undivided families (HUFs) cannot invest in this scheme.
How to invest in KVP Scheme?
Offline method:
- Go to your nearest post office and get Form A.
- Fill the form and submit the required documents like Aadhaar card, PAN card etc.
- Pay through cash, check or demand draft.
- After verification, you will be issued a KVP certificate.
Online method:
- Log in on the website of India Post or use internet banking.
- Download the KVP form and fill your information.
- Pay online and get a certificate.
KVP Scheme Interest Rate 2025
In 2025, the interest rate on KVP has been fixed at 7.5% per year. See comparative analysis of the interest rates of the last few years from the table below:
| Financial year | Interest rate (%) | Maturity period (month) |
| 2023-24 | 7.5 | 113 |
| 2022-23 | 7.2 | 119 |
| 2021-22 | 6.9 | 124 |
KVP Scheme Benefits (Benefits)
- Low Risk: This scheme is completely safe as it is supported by the government.
- Long -term savings: This scheme helps to meet long -term financial goals.
- Premature withdrawal: You can withdraw your amount after a lock-in period.
- Tax Benefits: Although interest is taxable, the principal gets tax exemption.
KVP Premature Withdrawal Rules
You can withdraw your amount only after the lock-in period (30 months). Below are the rules of premature withdrawal:
| Time period | Payment amount (₹) |
| Before 2.5 years | No withdrawal permission |
| After 2.5 years | Principal + interest |
KVP Scheme Example
Suppose you invested ₹ 10,000.
- Interest Rate: 7.5% per year
- Maturity period: 113 months
- Maturity amount: ₹ 20,000
This indicates that your investment amount will double in about nine and a half years.
Disclaimer:
This article is written only for the purpose of providing information. Please seek specialist advice before taking any financial decision. Post Office Kisan Vikas Patra is a real government scheme that provides safe and guaranteed returns.
