Neutral impactStocks
₹1 lakh investment: NSC vs KVP — Which Post Office scheme offers a higher maturity value? Check out the calculations
Mint 1 hr ago·12 Sept 2026, 10:11 am
Post Office National Savings Certificate (NSC) and Kisan Vikas Patra (KVP) are popular small savings schemes that lock in your money for a fixed period. The primary difference lies in the tenure; NSC matures in five years, while KVP matures in 10 years. Both offer a guaranteed return, but the compounding effect over the longer period of KVP generally results in a higher maturity value for the same initial investment.
For investors, the choice depends on liquidity needs and the investment horizon. If you prefer a shorter lock-in period, NSC is the better option. However, if you can wait a decade, KVP provides a higher final payout. Both schemes also offer tax benefits under Section 80C, making them attractive for tax-saving portfolios. Investors should compare the current interest rates to determine which scheme aligns best with their financial goals.
Key takeaways
- Category: Stocks.
Why it matters
A routine update. Use the price and stock snapshot to gauge how the market is responding.
