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Savings Schemes

Post Office KVP Scheme Guide

A complete guide to Post Office Kisan Vikas Patra (KVP) — secure your investment with guaranteed doubling in 115 months at 7.5% interest, under a safe government-backed scheme.

Published: 30 Jun 2025
Reading Time: 4 min read
Expert Analysis
#KVP#Kisan Vikas Patra#Post Office#Savings#Fixed Income

Complete Investment Guide

Comprehensive analysis with actionable insights for smart investment decisions

Post Office Kisan Vikas Patra (KVP)

The Kisan Vikas Patra (KVP) is a government-backed savings scheme ideal for individuals seeking guaranteed, risk-free growth of their investments, making it a secure option for stable financial planning.


Key Highlights

7.5% per annum compounded annually
✅ Investment doubles in 115 months (9 years and 7 months)
✅ Minimum investment: ₹1000; No maximum limit
✅ Safe, government-guaranteed returns
✅ Flexible and easy to operate


Latest Interest Rate (From 01 Jan 2024)

  • 7.5% compounded annually
  • Investment doubles in 115 months

Salient Features

(a) Who Can Open:

  • A single adult
  • Joint account (up to 3 adults)
  • Guardian on behalf of a minor or a person of unsound mind
  • A minor above 10 years in their own name

(b) Deposit:

  • Minimum deposit: ₹1000
  • Subsequent deposits in multiples of ₹100
  • No maximum limit on investment
  • Any number of accounts can be opened

(c) Maturity:

  • The deposit matures as per the Ministry of Finance guidelines applicable on the date of deposit
  • At the current rate, the invested amount doubles in 115 months

(d) Pledging as Security:

KVP can be pledged or transferred as security by submitting a prescribed application form with an acceptance letter from the pledgee. Pledging is allowed to:

  • The President of India or State Governor
  • RBI, Scheduled Banks, Co-operative Banks/Societies
  • Corporations (public/private), Government Companies, Local Authorities
  • Housing Finance Companies

(e) Premature Closure:

Premature closure of KVP is allowed under the following conditions:

  • On the death of the sole account holder, or any/all account holders in case of a joint account
  • On forfeiture by a pledgee (e.g., Gazetted Officer)
  • On order by the court
  • After 2 years and 6 months from the date of deposit

(f) Transfer of Account:

KVP can be transferred from one person to another under specific circumstances:

  • On the death of the account holder, to the nominee or legal heirs
  • From the deceased account holder to surviving joint holder(s)
  • On court order
  • On pledging the account to a specified authority

Why Choose Post Office KVP?

Guaranteed doubling of investment without market risks
Ideal for safe, long-term wealth building
No maximum limit, making it flexible for larger investments
Can be pledged as security for loans
Available at all post offices across India


The Post Office Kisan Vikas Patra (KVP) is an excellent choice for conservative investors who want their money to grow steadily under government-backed security without worrying about market fluctuations.

Open your KVP account today to grow your wealth with guaranteed, stable returns.

👉 Check out our KVP Calculator


This guide provides comprehensive information for educational purposes. Always consult with financial advisors before making investment decisions.

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