🎲 Fun & Lifestyle
KVP Calculator
Kisan Vikas Patra — doubles your money in ~9 years 7 months.
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Frequently asked questions
Does KVP qualify for 80C?
No — KVP deposits do not get 80C deduction. Interest is also taxable (though no TDS at source). For tax benefit, use NSC or 5-year Tax-Saving FD instead.
Can I withdraw early from KVP?
After 2.5 years (30 months) lock-in, KVP can be encashed anytime. Returns before 2.5 years are paid at reduced rates.
Is KVP transferable?
Yes — KVP certificates can be transferred from one person to another and from one post office to another. Useful for gift-giving.
Is KVP safer than bank FD?
Marginally — KVP is sovereign-backed (government guarantee), while bank FDs are insured up to ₹5L per depositor per bank by DICGC.