# KVP Calculator 2026: Kisan Vikas Patra Doubles in 115 Months > KVP calculator at the current 7.5% rate. Your Kisan Vikas Patra doubles in 115 months: see the maturity date, value over time and tax on the interest. Source: https://trykosh.com/tools/kvp-calculator Free tool - Government schemes # KVP calculator: Kisan Vikas Patra maturity and doubling period Kisan Vikas Patra doubles your money in a fixed period. At today's 7.5% rate that's 115 months; enter your amount and date to see when, and what it's worth along the way. Rules checked 25 October 2026Free - no sign-upRuns in your browser Maturity value INR 4,00,000 Doubles in 9 years 7 months, on 2 Jun 2036 A PAN is needed for KVP investments above INR 50,000. Interest earned**INR 2,00,000** Effective yearly return**7.5%** Tax on interest at your slab**INR 41,600** Approximate value over time (encashment allowed after 2½ years) When Value Premature encashment After 1 year INR 2,15,002 Not allowed After 2 years INR 2,31,129 Not allowed After 3 years INR 2,48,465 Allowed After 4 years INR 2,67,102 Allowed After 5 years INR 2,87,137 Allowed After 6 years INR 3,08,675 Allowed After 7 years INR 3,31,828 Allowed After 8 years INR 3,56,718 Allowed After 9 years INR 3,83,474 Allowed At maturity (115 months) INR 4,00,000 Allowed KVP interest is taxable at your slab, either each year as it accrues or all at maturity. There is no 80C benefit. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh keeps your PPF, EPF, NPS and deposits in one view, with reminders before every deposit and maturity date. [Start free](/signup?via=tool-kvp-calculator) ## How the KVP calculator works Kisan Vikas Patra (KVP) is a post office certificate that doubles the amount invested over a set period. The period depends on the rate when you buy: at 7.5% compounded yearly (October to December 2026) it is 115 months, or 9 years 7 months. That rate and period are locked in for your certificate. The calculator adds the doubling period to your investment date to give the maturity date. If you change the rate, it works out the matching period using the compound-interest formula, which is how the government sets the official figure. You can encash a KVP early after 2 years 6 months from the date of issue, at values set by the post office for each half-year. The table shows approximate values at each year so you can see what an early exit roughly gives you. KVP has no 80C benefit. The interest is taxable at your slab, either year by year on an accrual basis or all at once when the certificate matures. There's no TDS, so report it yourself. Doubling period (years) = ln 2 / ln(1 + rate) At 7.5% 9.58 years ~= 115 months ## Worked example: Savita invests INR 5 lakh from a property sale Savita, 52, a shop owner in Ludhiana, puts INR 5 lakh into KVP on 1 December 2026 at 7.5%. It doubles to INR 10 lakh on 1 July 2036, after 115 months. The INR 5 lakh interest is taxable; at her 10% slab with cess that's about INR 52,000 over the term. She needs a PAN as the amount is above INR 50,000. Maturity value INR 10,00,000 Doubles in 9 years 7 months, on 1 Jul 2036 A PAN is needed for KVP investments above INR 50,000. Interest earned**INR 5,00,000** Effective yearly return**7.5%** Tax on interest at your slab**INR 52,000** KVP interest is taxable at your slab, either each year as it accrues or all at maturity. There is no 80C benefit. [Load this example into the calculator ->](?amount=500000&date=2026-12-01&slab=10#calculator) ## Good to know - There's no maximum investment, but amounts above INR 10 lakh need proof of the source of funds, and above INR 50,000 a PAN. - A KVP can be transferred from one person to another, and from one post office to another, under certain conditions. - Rates and the doubling period are reset every quarter. A certificate keeps the terms on the date of purchase. ## Frequently asked questions In how many months does KVP double in 2026? 115 months (9 years 7 months) for certificates bought between October and December 2026, at 7.5% compounded yearly. Can I withdraw from KVP before maturity? Yes, after 2 years 6 months from the date of issue. You get the principal plus interest as per the post office's encashment table for that point. Earlier withdrawal is allowed only on death or a court order. Is KVP interest taxable? Yes, at your slab rate. You can declare it every year as it accrues or all in the year of maturity. KVP doesn't qualify for 80C. Who can buy a Kisan Vikas Patra? Any resident adult, jointly by up to three adults, or a guardian on behalf of a minor. NRIs can't invest. Despite the name, you don't need to be a farmer. ## Sources and assumptions - [Department of Economic Affairs: small savings rates](https://dea.gov.in/) - [India Post savings schemes](https://www.indiapost.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.