Post Office Scheme: Amidst the uncertain movements and risky investment options of the market, if there is one scheme that provides peace of mind to investors, it is the savings schemes of the Indian Postal Department. For the last quarter of the current financial year 2025-26, the government has decided to keep the interest rates of small savings schemes unchanged. This is why the Post Office’s Kisan Vikas Patra scheme is once again in the spotlight among investors.
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What is the Kisan Vikas Patra Scheme?
Kisan Vikas Patra, commonly known as KVP, is a government-backed lump-sum investment scheme. Its purpose is to safely grow investors’ capital over the long term. The biggest feature of this scheme is that the investment doubles in a fixed period, and it is not affected by market fluctuations.
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How to get ₹4 Lakh on an investment of ₹2 Lakh?
If an investor deposits ₹2 lakh in Kisan Vikas Patra, they receive a total of ₹4 lakh upon completion of the stipulated maturity period. This includes the principal amount plus an equal amount as interest. The current interest rate is 7.5 percent per annum compounded annually, according to which the investment amount doubles completely in 115 months, or approximately 9 years and 7 months.
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Complete Information on Interest Rate and Investment Limit
Investment in the Kisan Vikas Patra scheme can be started with as little as ₹1,000. After that, investment in any amount is possible as there is no maximum investment limit. This is why small investors to large investors can benefit from this scheme. Once invested, the interest rate remains constant for the entire period.
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Why is the KVP scheme considered safe?
This scheme comes under the sovereign guarantee of the central government, which ensures the complete safety of investors’ capital. Compared to bank FDs, the government security here is considered much stronger. In addition, investors can open a single account or a joint account with up to three adults.
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Who can invest and how to open an account?
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Any Indian citizen can invest in the Kisan Vikas Patra scheme. To do so, you need to visit your nearest post office and submit your Aadhaar card, PAN card, and other necessary KYC documents. This scheme is particularly beneficial for those who want to build a secure fund for retirement or are looking for a low-risk investment for their children’s future needs.