Post Office Small Saving Scheme

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What is Kisan Vikas Patra Scheme?
Kisan Vikas Patra is a one time investment scheme of the Government of India. Under which your money doubles in a certain period of time. Kisan Vikas Patra Scheme is present in all post offices and big banks of the country. His maturity period is currently 124 months. It can be invested with a minimum of Rs.1000. There is no maximum investment limit in this scheme. Kisan Vikas Patra has been invested as a certificate. There are certificates up to Rs.1000, Rs.5000, Rs.10,000 and up to Rs.50,000 which can be purchased. It may be mentioned here that the government guarantee is also available on the post office scheme. There is no risk at all.

Required documents
There is no limit to invest in this scheme. There is also a danger of money laundering at such times. Therefore, the government has made PAN card mandatory on investments of more than Rs 50,000. It is also mandatory to issue Aadhaar card as an identity card. If you invest Rs 10 lakh or more in this, you will also have to provide proof of income. Such as ITR, salary slip and bank statement.

How to buy a certificate

- Single Holder Type Certificate - This can be purchased for yourself or for a minor.
- Joint A Certificate of Account - These two adults are declared jointly, both holders are paid.
- Joint B Account - These two adults are declared joint. One of the two is paid.

Characteristic of Kisan Vikas Patra

- In this scheme return is given with guarantee, it is not affected by market fluctuations. That is why this investment is absolutely safe.
- Full amount is given on maturity.
- This scheme does not provide tax exemption under Section 80C of the Income Tax Act.
- The return on it is taxable. There will be no tax on exports after maturity.
- You can withdraw this amount after maturity, but its lock-in period is 30 months. You cannot withdraw money from the scheme before this.
- It can be invested in the value of Rs 1000, Rs 5000, Rs 10,000 and Rs 50,000.

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