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KVP Calculator

KVP Calculator

When will your Kisan Vikas Patra double?

₹
%
%
%
Doubling period
0
at the current rate
Maturity value
0
your money doubled
Investment amount
0
Inflation-adjusted maturity
0
in today's money
Post-tax maturity
₹0
Invested vs interest at doubling

Kisan Vikas Patra is a government savings certificate designed to double your investment over a fixed period set by the interest rate in force at the time you buy it — the government revises this rate periodically, so set the slider to the rate quoted for your certificate (check the current rate at the post office or India Post website, since this changes and the calculator cannot track it live).

Tax: unlike PPF or NSC, KVP has no tax breaks at all — no 80C deduction on the investment, and the entire interest (the doubling gain) is taxable at your slab rate as "income from other sources". The post office deducts no TDS, but the interest is still yours to declare — either on accrual each year or in the maturity year, consistently. The post-tax card above taxes the full gain at your slab.

What to work out next

Post-tax Yield Comparator

FD vs debt fund vs equity fund vs PPF/SSY, ranked after tax.

FD vs Debt Mutual Fund Calculator

Guaranteed slab-rate tax, or market-linked slab-rate tax.

Inflation Calculator

See what today's rupee is worth years from now.

TDS Calculator

Work out the TDS a bank deducts on your FD/RD interest.

Emergency Fund Calculator

Size your safety net and see how fast you can build it.

PPF Calculator

See what your PPF account grows to at maturity.

Frequently asked questions

Is a fixed deposit still worth it compared to other options?

It depends on your goal -- fixed deposits offer safety and a guaranteed return, which suits short-term goals or emergency funds, but their returns often barely keep pace with inflation after tax. For long-term goals, market-linked options have historically outperformed fixed deposits, at the cost of guaranteed safety.Read more: The Doubling-Time Test: One Question That Unmasks Every Scheme

What's the difference between simple and compound interest?

Simple interest is calculated only on the original principal for the entire period. Compound interest is calculated on the principal plus any interest already earned, so the amount it's calculated on grows over time. Compounding produces a meaningfully larger result the longer the money is invested.Read more: KVP Calculator: When Will Your Money Double?

How much emergency fund should I keep?

A common guideline is 3-6 months of essential expenses in an easily accessible account, though this varies by job stability, dependents, and other safety nets available to you. It should be liquid and low-risk, not invested for growth, since the point is availability when you need it, not returns.Read more: Your NBFC Fixed Deposit Has Zero Government Insurance — Unlike a Bank FD

Are savings account returns taxable?

Generally, yes -- interest earned is typically taxable as regular income, though some jurisdictions offer a small exemption threshold on savings interest specifically. Check the current rule where you file, since this is one of the more frequently adjusted thresholds.Read more: Breaking Your FD Early Costs More Than the Penalty Alone

Estimates only, not financial advice. See our Disclaimer.