NSC & KVP Calculator
Compare NSC and KVP returns, maturity value, and tax benefits side by side.
Investment Amount
NSC — National Savings Certificate
7.7% p.a. compounded annually • 5-year lock-in
Principal
₹1,00,000
Interest Earned
₹44,903
Maturity Value
₹1,44,903
KVP — Kisan Vikas Patra
7.5% p.a. • Doubles in 9 yrs 7 months (115 months)
Principal
₹1,00,000
Interest Earned
₹1,00,000
Maturity Value
₹2,00,000
Side-by-Side Comparison
| Parameter | NSC | KVP |
|---|---|---|
| Interest Rate | 7.7% p.a. | 7.5% p.a. |
| Lock-in Period | 5 Years | 9 Yrs 7 Mo |
| Maturity Value | ₹1,44,903 | ₹2,00,000 |
| Interest Earned | ₹44,903 | ₹1,00,000 |
| Section 80C Benefit | Yes | No |
| Compounding | Annual | Annual |
| Premature Withdrawal | Not Allowed | After 2.5 Years |
NSC & KVP Calculator का उपयोग कैसे करें
- 1
Enter the investment amount you plan to put into NSC or KVP.
- 2
Select whether you want to calculate for NSC, KVP, or compare both side by side.
- 3
For NSC, the 5-year lock-in and 7.7% rate are pre-filled based on current government rates.
- 4
For KVP, the doubling period of 115 months at 7.5% p.a. is applied automatically.
- 5
View the maturity amount, interest earned, and effective return for each scheme.
- 6
Note the Section 80C tax deduction benefit available only with NSC.
NSC & KVP Calculator के बारे में
Choosing between NSC and KVP for your government savings investment? The NSC & KVP Calculator compares both post office schemes side by side — showing maturity value, interest earned, effective return, tax benefits, and doubling period.
NSC — National Savings Certificate
- Current rate: 7.7% p.a. compounded annually
- Lock-in: 5 years (no premature withdrawal)
- Section 80C eligible — up to ₹1.5 lakh deduction per year
- Interest reinvested also qualifies for 80C (except final year)
KVP — Kisan Vikas Patra
- Current rate: 7.5% p.a.
- Doubles your money in approximately 115 months (9 years 7 months)
- Premature withdrawal allowed after 2.5 years
- No Section 80C benefit — maturity is fully taxable
Which Is Better?
NSC wins for tax-saving investors on a 5-year horizon. KVP suits those who want guaranteed doubling with slightly more flexibility. Use the comparison table to see exact numbers for your investment amount.