Kisan Vikas Patra Yojana

Kisan Vikas Patra Yojana 2022 is one of the Post office Saving Scheme. Kisan Vikas Patra is a certificate scheme from the Indian post office. The Kisan Vikas Patra Yojana 2022 was introduced by India Post in 1988 as a small savings certificate scheme with the primary objective of promoting long-term financial discipline to the citizens. For example, if you invest Rs 5000 to buy Kisan Vikas Patra today, then at the end of 124th Month, you will get double the amount of Rs 10,000. This scheme was started to give long term benefits to the farmers. This scheme has now been made available to all. And it has been announced by the government to make PAN card mandatory for investing in it, so that the misuse of money laundering is avoided.

किसान विकास पत्र योजना

किसान विकास पत्र योजना एक प्रकार की बचत योजना है। जो निवेश की अवधि के बाद निवेश की रकम को दोगुना करके देती है। इस योजना के अंतर्गत आप बैंक में या फिर डाकघर में आवेदन कर सकते हैं। इस योजना में निवेशक को 10 साल और 4 महीने (124 महीने) लिए निवेश करना होगा और 124 महीने के बाद आपको पैसे दुगने मिलेंगे।

होणार बंपर फायदा! ‘या’ सरकारी योजनेत 115 दिवसांत मिळत आहे डबल पैसे

आज देशातील विविध घटकांचा विचार करून केंद्र सरकार अनेक योजना राबवत आहे. जायच्या फायदा देशातील लाखो लोकांना होत आहे. अशीच एक योजना म्हणजे किसान विकास पत्र योजना जी पोस्ट ऑफिसकडून राबवली जात आहे. सध्या ही योजना देशात खूप लोकप्रिय होत आहे. या योजनेत तुम्हाला डबल परतावा प्राप्त होतो. यामुळे जर तुम्ही गुंतवणूक करण्याचा विचार करत असाल तर या योजनेमध्ये तुम्ही बिनधास्त गुंतवणूक करू शकतात. याचा मुख्य कारण म्हणजे गुंतवलेली रक्कम 120 महिन्यांऐवजी 115 महिन्यांत दुप्पट होते.

1. या सरकारी योजनेत गुंतवलेल्या रकमेवर 7 टक्क्यांहून अधिक व्याज मिळत आहे. पोस्ट ऑफिसच्या या योजनेत गुंतवणूक करणे अत्यंत सुरक्षित मानले जाते. त्यामुळे पोस्ट ऑफिसच्या किसान विकास पत्र योजनेत अनेकांनी गुंतवणूक केली आहे.
2. व्याजाचे पैसे कसे मिळवायचे – किसान विकास पत्रामध्ये गुंतवलेली रक्कम 115 महिन्यांत दुप्पट होईल आणि जानेवारी 2023 मध्ये सरकारने किसान विकास पत्राचा परिपक्वता कालावधी 123 महिन्यांवरून 120 महिन्यांपर्यंत कमी केला. आता ते आणखी कमी करून 115 महिने करण्यात आले आहे.
3. पोस्ट ऑफिसच्या वेबसाइटवर उपलब्ध असलेल्या माहितीनुसार किसान विकास पत्रामध्ये गुंतवलेल्या रकमेवर चक्रवाढ व्याजाच्या आधारावर व्याज मिळते.
4. व्याजाचे पैसे किती मिळतील – किसान विकास पत्रामध्ये गुंतवलेल्या रकमेवर सरकार दरवर्षी 7.5 टक्के दराने व्याज देत आहे. तुम्ही या योजनेत 1,000 रुपयांपासून गुंतवणूक सुरू करू शकता. यानंतर, 100 रुपयांची एकाधिक गुंतवणूक केली जाऊ शकते. या योजनेत जास्तीत जास्त गुंतवणुकीवर मर्यादा नाही.
5. या योजनेत तुम्ही संयुक्त खाते उघडून गुंतवणूक करू शकता. यासोबतच किसान विकास पत्रामध्ये नॉमिनीची सुविधाही सुरू करण्यात आली आहे.
6. खाते कसे उघडायचे -किसान विकास पत्र योजनेत 10 वर्षांपेक्षा कमी वयाच्या अल्पवयीन व्यक्तीचे खातेही उघडले जाऊ शकते. तथापि, एक प्रौढ व्यक्ती त्याच्या वतीने खाते हाताळतो. या योजनेत वयाच्या 10 व्या वर्षी कोणीही खाते उघडू शकतो. त्याच्या नावावर खाते ट्रान्सफर झाले आहे.
7. या योजनेत खाते उघडणे खूप सोपे आहे. यासाठी पोस्ट ऑफिसमध्ये जाऊन अर्ज करावा लागेल. त्यानंतर तुम्ही कॅश आणि ड्राफ्टच्या मदतीने पैसे जमा करू शकता.

Eligible for Kisan Vikas Patra Yojana

1. A single adult
2. Joint Account (up to 3 adults)
3. A guardian on behalf of minor or on behalf of person of unsound mind
4. A minor above 10 years in his own name

Eligibility for Kisan Vikas Patra yojana

1. The applicant must be a permanent resident of India.
2. Applicant age should be 18 years or above to apply.
3. Applicant should not be NRI, PIO and OCI.
4. The beneficiary should not be part of any Hindu Undivided Family.

Documents required for Kisan Vikas Patra Scheme

1. One of Aadhar Card
2. Voter ID Card
3. Passport and Driving License
4. passport size photo
5. kvp application form
6. Birth certificate

Kisan Vikas Patra Scheme Interest, Return and Withdrawal

1. The current interest rate under Kisan Vikas Patra Yojana 2022 is 6.9%. After 124 months, it will be provided to you by doubling the investment amount at the rate of 6.9%.
2. With this, the investor can make premature withdrawal from the Kisan Vikas Patra scheme.
3. But if the investor has withdrawn the certificate within 1 year of purchase then interest will not be provided.
4. The penalty for the same will also have to be paid.
5. But if the withdrawal is made after 1 year of purchase of the certificate, then the penalty will not be payable but the rate of interest will be less.
6. If the investor has made a withdrawal after two and a half years, he will be provided interest at an interest rate of 6.9% and will not have to pay any penalty.

Amount Deposited in KVP

1. Minimum Rs. 1000 and in multiple of Rs. 100 , no maximum limit.
2. Any number of accounts can be opened under the scheme.

Maturity of Kisan Vikas Patra

• The deposit shall mature on the maturity period prescribed by the Ministry of Finance from time to time as applicable on the date of deposit.
• It doubles a one-time investment in a period of approximately 10 years & 4 months (124 months) if you purchase the certificate between 1 July 2021 and 30 September 2021.
• For instance, a Kisan Vikas Patra for Rs. 5000 will get you a corpus of Rs. 10,000 post maturity.

Kisan Vikas Patra Certificate

किसान विकास पत्र प्रमाण पत्र

Kisan Vikas Patra is made available by the government through the post office. This certificate can be purchased through cash, cheque, pay order or demand draft.

There are three types of Kisan Vikas Patra which are

1. Single Holder Type Kisan Vikas Patra Certificate,
2. Joint A Type Kisan Vikas Patra Certificate and
3. Joint B Type Kisan Vikas Patra Certificate.

Details of Kisan Vikas Patra certificate

1. Single Holder Type Kisan Vikas Patra Certificate: This certificate is provided by the government to an individual on behalf of a minor or not a girl child.
2. Joint A Type Kisan Vikas Patra Certificate: This certificate is issued jointly to two adult individuals. This certificate is jointly payable to both the holders.
3. Joint B Type Kisan Vikas Patra Certificate: This certificate is issued jointly to two adult individuals. It is payable to one of the joint account holders.

KVP Pledging of account

किसान विकास पत्र का गिरवी रखना

1. KVP may be pledged or transferred as security, by submitting prescribed application form at concerned Post Office supported with acceptance letter from the pledgee.
2. Transfer/pledging can be made to the following authorities.

• -> The President of India/Governor of the State.
• -> RBI/Scheduled Bank/Co-operative Society/Co-operative Bank.
• -> Corporation (public/private)/Govt. Company/Local Authority.
• -> Housing finance company.

KVP Premature closure

• KVP may be prematurely closed any time before maturity subject to the following conditions : –
  • (i) On the death of a single account, or any or all the account holders in a joint account
  • (ii) On forfeiture by a pledgee being a Gazette officer.
  • (iii) When order by court.
  • (iv) After 2 years and 6 months from the date of deposit.
  • (f) Transfer of account from one person to another person.
• KVP may be transferred from one person to another person on the following conditions only.
  • (i) On the death of account holder to nominee/legal heirs.
  • (ii) On the death of account holder to joint holder(s).
  • (ii) On order by the court.
  • (iii) On pledging of account to the specified authority.

How to apply online for Kisan Vikas Patra Yojana

किसान विकास पत्र योजना के लिए ऑनलाइन आवेदन कैसे करें

1. First of all, you have to go to the official website of that bank or post office from where you have to buy this scheme.
2. Now the home page will open in front of you.
3. On the home page, you have to click on the link of Investment Plan.
4. Now you have to click on the link of Kisan Vikas Patra Yojana.
5. After this the application form will open in front of you.
6. You have to enter all the important information asked in this application form.
7. Now you have to attach all the important documents.
8. After that you have to click on submit button.

Official Website Link

How to apply offline for Kisan Vikas Patra Yojana

किसान विकास पत्र योजना के लिए ऑफलाइन आवेदन कैसे करें?

1. First of all you have to go to your nearest post office or bank.
2. Now you have to take the application form of Kisan Vikas Patra Yojana from there.
3. You have to enter all the information asked in this application form.
4. After this you have to attach all the important documents.
5. Now you have to submit this application form in the same bank or post office.
6. In this way you will be able to apply under Kisan Vikas Patra Scheme.

How to Transfer Kisan Vikas Patra

किसान विकास पत्र कैसे ट्रांसफर करें

1. First of all you have to go to that bank or post office from where you have taken Kisan Vikas Patra Scheme.
2. Now you have to take Transfer Form B from him.
3. You have to enter all the information asked in this form.
4. Now you have to attach all the important documents to this form.
5. Which is Identity Card, Residence Certificate, Original KVP Certificate, and Application.
6. After this you have to submit this form in the same bank or post office.
7. In this way you will be able to transfer Kisan Vikas Patra.

Withdrawing Kisan Vikas Patra

Kisan Vikas Patra can be closed prematurely at any time. A Kisan Vikas Patra can be transferred from one person to another person by writing to the postmaster requesting for the same.

The following are the cases in which the transfer can be sanctioned:

1. from the name of the deceased to their legal heir
2. from a single holder to the names of the joint holder
3. from a holder to the court of law or another person under the orders of a court of law.