Loan Against KVP & NSC

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Loan Against KVP & NSC

Loan or advance against Kisan Vikas Patra (KVP) – Kisan Vikas Patra was introduced in 1988 and in 2014 , Government re launched the scheme with some modifications. Kisan Vikas Patra can be purchased by any adult (Indian resident) for himself or on behalf of minor, a trust. It can also be purchased by two adults jointly. Kisan Vikas Patra is not an attractive investment scheme for many peoples as there is no rebate under section 80C for investment made in KVP. Interest accrued on the Kisan Vikas Patra is also taxable.
Offer Loan against Kisan Vikas Patra. If you are Kisan Vikas Patra certificate holder, then you enjoy this facility. Here are the details –

Eligibility for Loan against KVP

The applicant for loan must have KVP in his/her own name. You can not take Loan against someone’s else certificate.

Purpose for Loan against KVP

Loan against Kisan Vikas Patra can be availed for any personal or business use.

Interest Rates / Charges

Interest rates and charges on loan against Kisan Vikas Patra will be same as daily loan scheme. we also charges some processing fees .

Loan against NSC(Purpose)

Any Business / Personal purpose other than for speculative ones.


Applicant must have National Savings Certificate in own name.


Minimum loan amount is Rs.10, 000/ subject to following margin as per the age of NSC/KVP with no upper ceiling

Age of NSC/KVP Loan Amount Margin
More than 3 years 100% of Face Value NIL
More than 2 years but less than 3 years 90 % of Face Value 10%
Less than 2 years 75% of Face Value 25%

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