{"id":40124,"date":"2024-03-08T10:38:25","date_gmt":"2024-03-08T10:38:25","guid":{"rendered":"https:\/\/www.tatacapital.com\/blog\/uncategorized\/how-to-take-a-loan-against-kisan-vikas-patra-kvc\/"},"modified":"2026-01-19T16:53:17","modified_gmt":"2026-01-19T11:23:17","slug":"how-to-take-a-loan-against-kisan-vikas-patra-kvc","status":"publish","type":"post","link":"https:\/\/www.tatacapital.com\/blog\/loan-on-securities\/how-to-take-a-loan-against-kisan-vikas-patra-kvc\/","title":{"rendered":"Kisan Vikas Patra Online &#8211; How to Get Loan Against KVP"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>Over the past few decades, accessing <a href=\"https:\/\/www.tatacapital.com\/personal-loan.html\">loans<\/a> has become increasingly easier. Ask the elders in your house, and they will tell you how hard it was to get a loan back in the day. From overwhelming paperwork to lengthy approval cycles, the difficulty in accessing loan funds pushed people away from utilising this excellent financing tool.<\/p>\n\n\n\n<p>However, things are much easier now. Owing to the tech advancements and the increased purchasing power of Indians, financial institutions are now more comfortable in sanctioning loans. The situation is even better if you have some sort of security to use as collateral for your loan.<\/p>\n\n\n\n<p>This brings us to this article\u2019s main motive\u2013 Kisan Vikas Patra. If you have access to this savings scheme and are wondering how to take a loan against Kisan Vikas Patra, this article is for you.<\/p>\n\n\n\n<p>Read on as we explore, in detail, the correct way to apply for a loan against Kisan Vikas Patra.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is a Kisan Vikas Patra?<\/h2>\n\n\n\n<p>Launched by the India Post in the late 1980s, the Kisan Vikas Patra is a <a href=\"https:\/\/www.tatacapital.com\/insurance\/life-insurance\/savings-and-investments.html\">savings scheme<\/a> for Indian farmers. It was discontinued in 2011 but was once again brought back as a viable government-backed investment option in 2014.<\/p>\n\n\n\n<p>Interestingly, unlike the name, this security is not exclusive to farmers. You can apply for the scheme yourself if you meet its eligibility criteria. You can invest your money in the Kisan Vikas Patra from your nearest private or public financial institution or even the post office.<\/p>\n\n\n\n<p>This fixed-return investment avenue currently offers an attractive interest rate of 7.5% per annum and is locked in to double your deposits. However, this interest rate may change, as per the direction of India\u2019s Finance Minister.<\/p>\n\n\n\n<p>Key Features of Kisan Vikas Patra<\/p>\n\n\n\n<p>The following features of the Kisan Vikas Patra (KVP) make it a safe and attractive <a href=\"https:\/\/www.tatacapital.com\/wealth.html\">investment option in India<\/a>:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Eligible candidates<\/td><td>\u2013 Indian citizens older than 18 years \u2013 Trusts (Excluding NRIs and HUF) \u2013 Minors above the age of 10 \u2013 Guardians on behalf of their minors<\/td><\/tr><tr><td>Tenure<\/td><td>Investment tenure depends upon the ongoing interest rate (Currently 115 months)<\/td><\/tr><tr><td>Interest rate<\/td><td>7.5% per annum (Subject to changes)<\/td><\/tr><tr><td>Minimum and maximum investment<\/td><td>Minimum: Rs. 1000 There is no limit on the maximum investment<\/td><\/tr><tr><td>Transferability<\/td><td>Can be transferred to a bank or another individual<\/td><\/tr><tr><td>Premature withdrawal instance<\/td><td>\u2013 Death of investment owner \u2013 Court orders \u2013 Forfeit by pledgee (Gazette officer)<\/td><\/tr><tr><td>Collateral<\/td><td>You can take a loan against Kisan Vikas Patra.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Loan Against KVP: Meaning &amp; Benefits<\/h2>\n\n\n\n<p>When you opt for a loan against Kisan Vikas Patra, you are essentially applying for a secured loan where your KVP certificate acts as collateral. There may come times when you might require funds for personal or business needs. In such scenarios, prematurely encashing your KVP is not the best option\u2013 especially since you will lose the opportunity to double your investment.<\/p>\n\n\n\n<p>Securing a loan against Kisan Vikas Patra is a much better solution. With your KVP certificates, you can easily access a loan amount of up to 80% of your KVP\u2019s value. The secured nature of the loan will also fetch you competitive deals on the loan against KVP interest rates. The best part? You will continue to earn interest on the KVP while also getting access to the required funds.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Interest Rate on Loan Against KVP in 2024<\/h2>\n\n\n\n<p>Different lenders have different loan against KVP interest rate. It varies by lender and depends on factors like loan amount, tenure, and your creditworthiness.&nbsp;&nbsp;<\/p>\n\n\n\n<p>The exact loan against KVP interest rate depends on the purpose of the loan (personal or business), the chosen repayment tenure, the lender\u2019s internal lending policies, and whether the borrower is salaried or self-employed.&nbsp;<\/p>\n\n\n\n<p>The KVP interest rate is set and revised from time to time by the Ministry of Finance. At present, KVP offers an interest rate of 7.5% per annum, compounded yearly.&nbsp;<\/p>\n\n\n\n<p>On maturity, investors receive the original investment along with the accrued interest. If the amount is not claimed after maturity, it continues to earn simple interest at the prevailing post office savings account rate until withdrawn.<\/p>\n\n\n\n<p>When it comes to borrowing, loans against KVP generally attract lower interest rates compared to many other <a href=\"https:\/\/www.tatacapital.com\/loans.html\">loan options<\/a>, as the investment acts as secure collateral.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Eligibility Criteria for Loan Against KVP<\/h2>\n\n\n\n<p>To be eligible for a loan against KVP, you must:<\/p>\n\n\n\n<ul>\n<li>Be a citizen of India.<\/li>\n\n\n\n<li>Be older than 18 years.&nbsp;<\/li>\n\n\n\n<li>Not be a Non-Resident Indian (NRI) or a Hindu Divided Family (HUF).<\/li>\n\n\n\n<li>Have the KVP certificate in your own name.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Minors or a person of unsound mind can also avail loans against KVP, but only when the application is initiated by an adult.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Apply for a Loan Against Kisan Vikas Patra Online<\/h2>\n\n\n\n<p>If you wish to take a loan against Kisan Vikas Patra, you need to take the following steps:<\/p>\n\n\n\n<p>1. Choose a lender:&nbsp;The first step is to select a financial institution that offers loans against KVP. For this, you must compare loan terms and the loan against security interest rates offered by multiple lenders.<\/p>\n\n\n\n<p>2. Understand loan terms:&nbsp;Once you select a lender, your loan terms will be crafted according to your profile and credit history. The terms will include the amount sanctioned, loan tenure, and the loan against KVP interest rates. Usually, banks offer up to 80% of the KVP value as loans.<\/p>\n\n\n\n<p>3. Gather documents:&nbsp;Prepare the <a href=\"https:\/\/www.tatacapital.com\/personal-loan\/documents-required.html\">documents required for a loan<\/a> against Kisan Vikas Patra. This usually includes the original KVP certificate, income proof, and other necessary documents.<\/p>\n\n\n\n<p>4. Apply:&nbsp;Complete the lender\u2019s application form and submit it with your documents and KVP certificate.<\/p>\n\n\n\n<p>5. Pledge KVP: If your loan against the Kisan Vikas Patra application is approved, you must pledge your KVP certificate as collateral.<\/p>\n\n\n\n<p>6. Receive funds:&nbsp;Once the KVP certificates are pledged and the lending institution is informed, you shall see the loan amounts reflected in your account.<\/p>\n\n\n\n<p>Once you receive your funds, the repayment period will start soon after. Ensure that you repay your loan promptly. <a href=\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/5-consequences-you-may-face-if-you-are-defaulting-on-personal-loan\/\">Defaulting your loan repayments<\/a> can dent your credit score and may even cause you to lose ownership of your KVP certificates.<\/p>\n\n\n\n<p>To ensure that your EMIs are not overwhelming, our advice will be to have proper information about your estimated EMI before applying for a loan against Kisan Vikas Patra. For this, you can use an online&nbsp;<a href=\"https:\/\/www.tatacapital.com\/loan-against-securities\/loan-against-securities-calculator.html\">loan against securities EMI calculator<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Documents Required to Avail Loan Against KVP<\/h2>\n\n\n\n<p>The required documents may vary from vendor to vendor,<\/p>\n\n\n\n<p>Typically, the following&nbsp;<a href=\"https:\/\/www.tatacapital.com\/loan-against-securities\/documents-required.html\">documents are required for a loan against securities<\/a>, be it KVP or <a href=\"https:\/\/www.tatacapital.com\/blog\/loan-on-securities\/loan-against-national-savings-certificates-nsc\/\">NSC<\/a>:<\/p>\n\n\n\n<p>1. Pay slips or Income Tax Return (ITR) documents as evidence of repayment capacity<\/p>\n\n\n\n<p>2. The original Kisan Vikas Patra (KVP) certificate<\/p>\n\n\n\n<p>3. A KVP pledge application in Form 4<\/p>\n\n\n\n<p>4. A duly signed acceptance letter from the pledgee<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Loan Against KVP in Post Office: Dedicated Process and Tips<\/h2>\n\n\n\n<p>Loan against KVP in post office refers to applying for loans against the KVP for which you had applied offline, which happens through the post office.&nbsp;<\/p>\n\n\n\n<p>Here is how you can get your KVP certificate from post office and use it to avail loan against KVP in post office:<\/p>\n\n\n\n<ul>\n<li>Visit your nearest post office to begin the KVP application process.<\/li>\n\n\n\n<li>Ask for the KVP application form (Form A) and fill in all the details required, including your personal information and investment amount.<\/li>\n\n\n\n<li>If you are investing through an agent, they must complete Form A1U+002e along with your application.<\/li>\n\n\n\n<li>Provide a copy of an identity proof for the KYC process. Acceptable documents include Aadhaar card, PAN card, passport, or voter ID.<\/li>\n\n\n\n<li>Submit the completed forms and deposit the amount you want to invest. The minimum investment is \u20b91,000, with no maximum limit.<\/li>\n\n\n\n<li>Once your documents are verified and the deposit is processed, you will receive your KVP certificate. Keep this certificate safe as it will serve as collateral when applying for a loan.<\/li>\n<\/ul>\n\n\n\n<p>Before you apply for a loan against KVP in post office, here are some tips:<\/p>\n\n\n\n<ul>\n<li>Compare interest rates of multiple lenders.<\/li>\n\n\n\n<li>Repay the loan on time as defaulting can damage your credit score.<\/li>\n\n\n\n<li>Only take this loan if you need funds urgently; premature encashment might not be ideal<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Advantages and Disadvantages of Loan Against KVP<\/h2>\n\n\n\n<p>Here are the advantages of loan against KVP:<\/p>\n\n\n\n<ul>\n<li>Lower interest rates compared to unsecured loans, making them cost-effective.<\/li>\n\n\n\n<li>Access to a significant amount of your KVP&#8217;s value while continuing to earn interest on the certificate.&nbsp;<\/li>\n\n\n\n<li>No need to prematurely encash your investment; your money continues growing until maturity.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Some disadvantages include:<\/p>\n\n\n\n<ul>\n<li>Defaulting damages credit score and risks losing ownership of your KVP certificate.<\/li>\n\n\n\n<li>KVP certificate remains pledged with the lender until full repayment, restricting access.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Kisan Vikas Patra Online Purchase and Transfer Process&nbsp;<\/h2>\n\n\n\n<p>You cannot purchase Kisan Vikas Patra online. First, you need to download Form A from the India Post website. After filling the form with your details, you must visit a post office with KYC documents. Once your details are verified, deposit the purchase amount. Immediately after the payment, you\u2019ll receive your KVP certificate.&nbsp;<\/p>\n\n\n\n<p>KVP can be easily transferred from one post office to another or from one person to another. For post office transfers, submit the transfer application form with necessary documents at your desired branch.&nbsp;<\/p>\n\n\n\n<p>For person-to-person transfers, a written letter must be submitted to the post office along with original certificate and identity proofs. Transfers are allowed from deceased holders to heirs, single to joint holders, or between joint holders, with proper authorisation from post office officials.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion&nbsp;<\/h2>\n\n\n\n<p>Taking a loan against Kisan Vikas Patra can be a smart way to meet your financial needs without disrupting your investment plan. With instant access to funds up to 80% of your KVP value, you can seamlessly tackle any financial crunch or seize any opportunity. However, as with any other finance-related decision, it is advisable to make a call after consulting with a financial expert.<\/p>\n\n\n\n<p>Looking for the best place to secure a loan against Kisan Vikas Patra? Consider taking advantage of Tata Capital\u2019s&nbsp;<a href=\"https:\/\/www.tatacapital.com\/loan-against-securities.html\">loan against security<\/a>&nbsp;features. Offering competitive&nbsp;<a href=\"https:\/\/www.tatacapital.com\/loan-against-securities\/rates-and-charges.html\">loans against security interest rates<\/a>&nbsp;and a seamless application and approval process, Tata Capital offers a convenient solution to your loan financing needs.Visit the&nbsp;<a href=\"https:\/\/www.tatacapital.com\/\">Tata Capital website<\/a>&nbsp;or download the&nbsp;<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.snapwork.tcl\">Tata Capital App<\/a>&nbsp;to secure a loan today!<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.las.tatacapital.com\/online\/loans\/las\/apply-now-las-loan#!\">\n                                                Apply for Loan Against Security\n                                            <\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Over the past few decades, accessing loans has become increasingly easier. Ask the elders in your house, and they will tell you how hard it was to get a loan back in the day. From overwhelming paperwork to lengthy approval cycles, the difficulty in accessing loan funds pushed people away from utilising this excellent financing [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":40125,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[35],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Loan Against KVP (Kisan Vikas Patra) - Eligibility, Process &amp; Interest Rate | Tata Capital<\/title>\n<meta name=\"description\" content=\"Get a loan against Kisan Vikas Patra (KVP) online. Learn KVP loan eligibility, process, interest rates, and how to apply online or at post offices in India.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Loan Against KVP (Kisan Vikas Patra) - Eligibility, Process &amp; Interest Rate | Tata Capital\" \/>\n<meta property=\"og:description\" content=\"Get a loan against Kisan Vikas Patra (KVP) online. Learn KVP loan eligibility, process, interest rates, and how to apply online or at post offices in India.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tatacapital.com\/blog\/loan-on-securities\/how-to-take-a-loan-against-kisan-vikas-patra-kvc\/\" \/>\n<meta property=\"og:site_name\" content=\"TATA Capital Blog\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-08T10:38:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-19T11:23:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2024\/03\/65eaeaa170288.png\" \/>\n\t<meta property=\"og:image:width\" content=\"770\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tata Capital\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tata Capital\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/loan-on-securities\/how-to-take-a-loan-against-kisan-vikas-patra-kvc\/\",\"url\":\"https:\/\/www.tatacapital.com\/blog\/loan-on-securities\/how-to-take-a-loan-against-kisan-vikas-patra-kvc\/\",\"name\":\"Loan Against KVP (Kisan Vikas Patra) - Eligibility, Process & Interest Rate | Tata Capital\",\"isPartOf\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#website\"},\"datePublished\":\"2024-03-08T10:38:25+00:00\",\"dateModified\":\"2026-01-19T11:23:17+00:00\",\"author\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/aa0e5e1ada965b44443a1a78f968ed5c\"},\"description\":\"Get a loan against Kisan Vikas Patra (KVP) online. 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