- विवरण
- फ़ायदे
- पात्रता
- आवेदन प्रक्रिया
- आवश्यक दस्तावेज़
- अधिकतर पूछे जाने वाले सवाल
- स्रोत और संदर्भ
- प्रतिपुष्टि
कुछ गलत हो गया। कृपया बाद में पुन: प्रयास करें
योजनाओं के लिए आवेदन करने से पहले आपको साइन इन करना होगा
कुछ गलत हो गया। कृपया बाद में पुन: प्रयास करें
ऐसा लगता है कि आपने अपना आवेदन पहले ही शुरू कर दिया है।अधिक जानने के लिए कृपया जाएँ
आवेदन करें
योजनाओं के लिए आवेदन करने से पहले आपको साइन इन करना होगा
कुछ गलत हो गया। कृपया बाद में पुन: प्रयास करें
ऐसा लगता है कि आपने अपना आवेदन पहले ही शुरू कर दिया है।अधिक जानने के लिए कृपया जाएँ
आवेदन करें
पात्रता की जाँच करें
Kisan Vikas Patra Scheme
Ministry Of Finance
विवरण
- 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
फ़ायदे
- The scheme offers an interest rate of 7.5 % compounded annually on investment.
- Amount Invested doubles in 115 months (9 years & 7 months).
- No maximum deposit limit.
- Accounts can be opened in Post offices and in authorized banks.
- KVP can be transferred from one person to another and from one post office to another.
- KVP can be encashed after 2 and half years from the date of investment at the specified rates.
पात्रता
- Any individual who is a resident of India can avail of the benefits under the scheme.
- A parent/guardian may invest on behalf of a minor or person of unsound mind.
- The minimum age of minors should be 10 years.
Deposits:
- A minimum of ₹1000/- and any sum in multiples of ₹100/-, may be deposited in an account.
- There shall be no maximum limit for deposits in an account or in accounts held by an account holder.
- An individual may open any number of accounts.
Payment on maturity:
- The maturity period of an account opened between 12th December 2019 to 31st March 2020 (both days inclusive) shall be 9 years and five months. Deposit made in the account shall double on maturity and the amount of maturity may be repaid to the account holder.
- The maturity period of an account opened on or after the first day of April 2020 shall be 10 years and four months. Deposit made in the account shall double on maturity.
- The maturity period of the deposit under this Scheme shall be determined by the rate of interest applicable at the time of opening the account.
आवेदन प्रक्रिया
Application process:
Procedure for payment:
- by cash; or
- by locally executed cheque, pay order, or demand draft drawn in favour of the Post Master; or
- by presenting a duly signed withdrawal form or cheque together with the passbook for withdrawal from a Savings Account standing in a credit of the purchaser at the same Post Office or Bank.
Issue of Certificates:
- On payment being made, except where payment is made by a cheque, pay order, or demand draft, a Certificate shall be issued immediately and the date of such Certificate shall be the date of payment.
- Where payment for the purchase of a Certificate is made by cheque, pay order, or demand draft, the Certificate shall not be issued before the proceeds of the cheque, pay order, or demand draft, as the case may be, are realized and the date of such Certificate shall be the date of encashment of the cheque, pay order or demand draft, as the case may be.
- If, for any reason a Certificate cannot be issued immediately, a provisional receipt shall be given to the purchaser which may later be exchanged for a Certificate, and in such a case the date of the Certificate shall be the date of provisional receipt.
Premature closure of account:
Transfer of account:
- on the death of the account holder in case of a single account or on the death of all the account holders in a joint account, the amount shall be transferred to the legal heirs or the nominees, as the case may be;
- on the order of the court, the account shall be transferred from the account holder to the court or to any other individual as per the orders of the court;
- on pledging, the account shall be transferred in accordance with paragraph 7 of the scheme guideline;
- in the event of the death of any of the account holders in a joint account, the account shall be transferred in the name of the surviving account holder or account holder, as the case may be.
Payment on the death of the account holder:
- In the event of the death of the depositor of a single account or of all the depositors in a joint account, the deposit shall be payable to the nominee if a nomination exists or to the legal heir(s).
- Where there are not more than three surviving nominees or legal heirs, they may, at their option continue the account and receive the amount of deposit along with interest on maturity in the manner provided for in this scheme, as if they had opened the account themselves.
- Where the account is not continued under sub-paragraph (2) of the scheme guideline, it shall be closed and the amount of deposit along with interest as provided in paragraph 6 shall be repaid.
- On the death of one or two of the account holders in a joint account, the surviving account holder or holders, if any, shall be treated as the owner or owners of the account and such account holder or holders may continue the account under sub-paragraph (2) of the scheme guideline or close the account under sub-paragraph (3) of the scheme guideline.
आवश्यक दस्तावेज़
- Passport size Photo
- Aadhaar Card
- Copy of the PAN card
- Proof of age i.e. Birth Certificate
- The following documents are accepted as officially valid documents for the purpose of identification and address proof:
- Passport
- Driving license
- Voter’s ID card
- Job card issued by NREGA signed by the State Government officer
- Letter issued by the National Population Register containing details of name and address;
अधिकतर पूछे जाने वाले सवाल
Can I transfer my KVP account to someone else?
‘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. Under the scheme, the amount invested will be doubled in 115 months at the present rate.
What are the eligibility criteria for Kisan Vikas Patra?
Any individual who is a resident of India can avail of the benefits under the scheme.
Is there a maximum limit on the investment amount?
No maximum deposit limit.
What is the interest rate offered by Kisan Vikas Patra?
The scheme offers interest rate of 7.5 % compounded annually on investment.
What is the tenure of a Kisan Vikas Patra (KVP) account?
The tenure is 115 months (9 years & 7 months).
How do I open a Kisan Vikas Patra account?
Any person or persons, desiring to purchase a Certificate, shall present an application either in person or through an authorised agent of the small savings schemes at a Post Office or Bank. The person may visit the nearest Post Office Branch or a designated bank.
Can I nominate someone for my KVP account?
Yes.
Can I transfer my KVP account to someone else?
Yes.
Can I prematurely close my KVP account?
Yes.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.
Can I open a joint KVP account?
Yes, joint accounts are allowed.
समाचार और अपडेट
कोई नई खबर और अपडेट उपलब्ध नहीं है
शेयर
कुछ गलत हो गया। कृपया बाद में पुन: प्रयास करें
योजनाओं के लिए आवेदन करने से पहले आपको साइन इन करना होगा
कुछ गलत हो गया। कृपया बाद में पुन: प्रयास करें
ऐसा लगता है कि आपने अपना आवेदन पहले ही शुरू कर दिया है।अधिक जानने के लिए कृपया जाएँ
आवेदन करें
योजनाओं के लिए आवेदन करने से पहले आपको साइन इन करना होगा
कुछ गलत हो गया। कृपया बाद में पुन: प्रयास करें
ऐसा लगता है कि आपने अपना आवेदन पहले ही शुरू कर दिया है।अधिक जानने के लिए कृपया जाएँ
आवेदन करें
पात्रता की जाँच करें
Kisan Vikas Patra Scheme
Ministry Of Finance
- 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
शेयर
समाचार और अपडेट
कोई नई खबर और अपडेट उपलब्ध नहीं है