On the last day of 2025, the central government provided significant relief to those investing in small savings schemes. According to a notification issued by the Ministry of Finance, there will be no change in the interest rates of Kisan Vikas Patra for the January-March 2026 quarter. The government has kept the interest rate on this scheme stable at 7.5 percent per annum. This same rate was also applicable in the October-December 2025 quarter. This consistently stable interest rate assures investors that their money is in safe hands.
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Interest rate unchanged since April 1, 2023
The most notable feature of Kisan Vikas Patra is that its interest rate has remained stable for a long time. Since April 1, 2023, the government has not made any changes to it. KVP rates often prove to be more attractive than bank FDs, especially when investors want secure returns for the long term. This is why this scheme remains popular in both rural and urban areas today.
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How long does it take for the investment to double?
The biggest advantage of investing in Kisan Vikas Patra is that the money doubles in a fixed time. According to the current annual interest rate of 7.5 percent, the money invested in KVP doubles in 115 months. This period is approximately 9 years and 7 months. Investors can usually withdraw the entire amount only after maturity. However, in some special circumstances, such as the death of the account holder or situations defined by government rules, premature closure of the account is permitted.
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Rules for opening a Kisan Vikas Patra account
The process of opening a Kisan Vikas Patra account is quite simple. Any adult can open a single account in their own name. In addition, a maximum of three people can open a joint account together. Parents or guardians can open an account in the name of minor children. If the child is more than 10 years old, they can open and operate the account in their own name. This feature makes the scheme even more useful for families.
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Investment Limits
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The Kisan Vikas Patra (KVP) is a very flexible investment scheme. Investments can be started with as little as ₹1,000. Importantly, there is no upper limit on the maximum investment amount. Investors can invest as much as they want in this scheme, according to their financial situation and future needs. This is why the scheme is considered suitable for all types of investors, from small investors to those investing large sums.