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Ministry Of Finance

Kisan Vikas Patra Scheme

आवेदन प्रक्रिया
आवश्यक दस्तावेज़
अधिकतर पूछे जाने वाले सवाल
The ‘Kisan Vikas Patra (KVP)’ is a certificate savings scheme that was launched by the Government of India on 1st April 1988. The scheme provided a facility of unlimited investment by way of purchase of certificates from post offices in various denominations. The maturity period of the scheme when launched was 5 ½ years and the money invested doubled on maturity.
However, the scheme ‘Kisan Vikas Patra Scheme’ was relaunched in the year 2014 by the Department of Economic Affairs, Ministry Of Finance, Government of India in view of the popular demand and to revitalize Small Savings. The amountt invested in Kisan Vikas Patra (KYP) doubles in 115 months at the present rate. The certificates can be purchased by an adult for himself/herself or on behalf of a minor or to a minor. It can also be purchased jointly by two adults.
A certificate may be transferred from one person to another with consent in writing to an officer of the Post Office or Bank. Under the scheme, the transferee has to be eligible to purchase the certificate. The certificate may be prematurely encashed any time after two years and a half from the date of purchase, in the event of the death of the holder or any holder in case of the joint holder, on the order of a court of Law and forfeiture by a pledge.
Type of Certificates and issue thereof: The Certificates shall be of the following types, namely:
  • Single Holder Type Account: This type of account may be opened by an adult for himself, or on behalf of a minor or a person of unsound mind of whom he is the guardian, or by a minor who has attained the age of ten years;
  • Joint A- Type Account: This type of account may be opened jointly in the names of upto three adults payable to all the account holders jointly or to the survivors;
  • Joint B-Type Account: This type of account may be opened jointly in the name of upto three adults payable to any of the account holders or to the survivor or survivors
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