Monday, July 28, 2025
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Full guarantee of investment in this post office scheme, money will be double before the bank!

Kisan Vikas Patra: The most important thing about the Kisan Vikas Patra scheme is that compound interest is available on it. This plan not only gives a complete guarantee of returns but also gives higher returns as compared to other options. Your investment in this plan doubles in 124 months.

Post Office Savings Scheme: If you are worried about the future then you have to invest. At present, you can invest according to the risk. If you have a high-risk appetite then you can invest in the stock market or mutual funds. There are many options for a safe investment.

If you are looking for a safe and zero-risk investment, then the Post Office Savings Scheme (Kisan Vikas Patra) can be a better option. This is a great post office plan for people with small savings.

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The most important thing about Kisan Vikas Patra Yojana is that compound interest is available on it. With this, this plan not only gives a complete guarantee of returns but also gives higher returns as compared to other options. Your money invested in this plan doubles in 124 months.

What is Kisan Vikas Patra (KVP)

If you deposit a lump sum amount in this scheme on 1st April 2022, then it doubles in 10 years 4 months. At present, 6.9 percent compound interest is available on Kisan Vikas Patra annually.

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The facility of Kisan Vikas Patra (KVP) on the website of India Post can be availed in more than 1.5 lakh post offices in the country. This post office scheme also has the facility to transfer the account from one branch to another.

This scheme gives higher returns than any FD. The maturity period for this is 124 months, but you can also redeem your investment earlier if needed. There is only one condition in this plan that it comes with a lock-in period of 30 months. That is, you can redeem Kisan Vikas Patra anytime after two and a half years of investment.

Tax exemption is also available with the return. 

The scheme also provides tax exemption. A provision has been made for exemption from tax on the investment made in Kisan Vikas Patra under section 80C of Income Tax. Apart from being single, there is also an option to open a joint account.

There is no maximum investment limit,

It is a lump sum investment scheme. That is, you do not need to invest money in it every month or every year. This means that you can invest any amount at a time in Kisan Vikas Patra. This scheme was started in 1988. Earlier only farmers could invest in it, but later it was opened to all.

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