The return on Kisan Vikas Patra (KVP) depends on how long you stay invested. For the October to December 2026 quarter, KVP pays 7.5% a year, compounded yearly, so money put into Kisan Vikas Patra (KVP) doubles in 115 months (9 years and 7 months). This rate has applied since 1 April 2023. The government reviews it every quarter, and the doubling period you get is fixed on the day you invest.
An example: Mr. X invests 1 lakh rupees in Kisan Vikas Patra (KVP) in October 2026. He will get 2 lakh rupees in total, 115 months after the date of investment, in May 2036.
Keep in mind that Kisan Vikas Patra (KVP) investments don't get any tax deduction, because they don't come under Section 80C (section 123 of the Income-tax Act, 2025). The return you earn from Kisan Vikas Patra (KVP) is taxable too.
Premature withdrawal of Kisan Vikas Patra (KVP)
You can withdraw from Kisan Vikas Patra (KVP) early once 2.5 years have passed, and the amount you get depends on how long you held it. Earlier than that, a KVP can be closed only if the holder dies, a court orders it, or a pledgee forfeits it. To show how it works, here are the official payouts for 1 lakh rupees put into a KVP between April 2020 and September 2022, when the rate was 6.9% and money doubled in 124 months:
| Investment period | Amount payable (interest included) |
| Before 2.5 years (only on death, a court order or forfeiture) | 100000 plus simple interest at the post office savings rate for the complete months held |
| Min: 2.5 years, Max: 3 years | 115400 |
| Min: 3 years, Max: 3.5 years | 118800 |
| Min: 3.5 years, Max: 4 years | 122200 |
| Min: 4 years, Max: 4.5 years | 125800 |
| Min: 4.5 years, Max: 5 years | 129400 |
| Min: 5 years, Max: 5.5 years | 133200 |
| Min: 5.5 years, Max: 6 years | 137100 |
| Min: 6 years, Max: 6.5 years | 141100 |
| Min: 6.5 years, Max: 7 years | 145200 |
| Min: 7 years, Max: 7.5 years | 149400 |
| Min: 7.5 years, Max: 8 years | 153700 |
| Min: 8 years, Max: 8.5 years | 158200 |
| Min: 8.5 years, Max: 9 years | 162800 |
| Min: 9 years, Max: 9.5 years | 167500 |
| Min: 9.5 years, Max: 10 years | 172400 |
| Min: 10 years, until maturity (10 years and 4 months) | 177400 |
| On maturity | 200000 |
The longer you hold the certificate, the closer the payout gets to double your money. For a KVP bought today at 7.5%, the amounts are a little higher. They are set out in the KVP scheme rules as amended in April 2023, and your post office can tell you the exact figure. In the official tables for recent issues, the early payout works out to about one percentage point a year less than the full rate.