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Factors to Bear in Mind When Investing in KVP

Factors to Bear in Mind When Investing in KVP

Factors to Bear in Mind When Investing in KVP

There are certain things that should essentially be borne in mind while buying a KVP. If your KVP certificate is misplaced during the term, you can always obtain a duplicate certificate through an application. To play safe, it is better to get the identity slip from the post office when you make a purchase.

Adding further, in case of untimely death of the owner of the KVP, the amount payable on maturity would go directly to the nominee. KVP investment is, however, not tax deductible. So, if you are planning to invest in KVP for tax benefit, it’s no use. Most importantly, make sure that you go through the Kisan Vikas Patra interest chart too check the Interest rate of Kisan Vikas Patra prevailing at the time of purchase.

Concluding, I would just say that KVP serves as a secure income for elderly people during their years of retirement. It can be understood easily by anybody due to the high transparency and lesser conditions involved.

Premature Withdrawal

If you wish to withdraw money before the maturity term, here is the list of Interest rate of Kisan Vikas Patra applicable after specific time periods. Just take a look at the Kisan Vikas Patra interest chart:

  • Less than 1 year – no interest
  • After one year but before 2 ½ years – simple interest of 8.4%
  • After 2 ½ years but before the date of maturity – interest compounded according to the Government regulations.

Factors to Bear in Mind When Investing in KVP



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