KVP / NSC Maturity Calculator
Tenure
Maturity value
Total interest
KVP and NSC maturity explained
Kisan Vikas Patra (KVP) and the National Savings Certificate (NSC) are government-backed post-office schemes. KVP doubles your money; NSC is a 5-year tax-saving certificate. The calculator above shows the maturity for each.
KVP
- Interest 7.5% p.a., compounded annually.
- Money doubles in 115 months (9 years 7 months) at the current rate.
- Minimum ₹1,000, no maximum. Interest is taxable; no 80C benefit.
NSC
NSC maturity = P × (1 + 7.7%)^5
- Interest 7.7% p.a., compounded annually, paid at maturity after 5 years.
- Deposit qualifies for 80C; reinvested interest (except the last year) also counts.
Worked examples
- KVP ₹1,00,000 becomes ₹2,00,000 in 115 months.
- NSC ₹1,00,000 grows to about ₹1,44,900 in 5 years.
Frequently asked questions
How long does KVP take to double?
115 months (9 years 7 months) at the current 7.5% rate.
What is the NSC rate?
7.7% per annum, compounded annually, paid at maturity after 5 years.
Does NSC qualify for 80C?
Yes, the deposit and reinvested interest (except the final year) qualify.
Is KVP interest tax-free?
No, it is taxable and has no 80C benefit.
Where can I buy them?
At post offices and many authorised banks.
Source: Ministry of Finance small-savings rates for the current quarter (KVP 7.5%, NSC 7.7%). Rates are reviewed quarterly. ComplyKraft is independent; this is not professional advice.