bankers adda_ a brief of kisan vikas patra.pdf

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AbriefofKisanVikasPatraKisanVikasPatraisasavingschemethatwasannouncedbytheGovernmentofIndiathatdoublesthemoneyinvestedineightyearsandfourmonths.TheDirectorateofSmallSavingsGovernmentofIndia,sellsthesesavingbondsthroughallPostOfficesinthecountrysothattheschemecanbeaccessedbycitizensfromalloverthecountry.AKVPcanbeencashedaftertwoandahalfyearsfromthedateofissueatthevalueithasbeenboughtandtheinterestaccruedfortheperiod.

SalientfeaturesofthenewKVP

Interest:8.7percent.Tenure:eightyearsandfourmonths(100months).Investmentdoublesin100months.Minimumlockinperiodtwoyearsandsixmonths.

Liquidity

CanbeencashedineightequalmonthlyinstalmentsafterthelockinperiodCanbetransferredtoanotherpersonbyendorsementanddeliveryCanalsobegivenascollateralforloansbybanks

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Labels:AbriefofKisanVikasPatra,Banking,STUDYNOTES

DAILYGKUPDATE23rdApril

SBI:ThelargestcommercialBankofIndia

DailyGKUpdates:14thOct2014

MinimuminvestmentRs.1,000.Thereafter,indenominationsofRs.5,000,Rs.10,000andRs.50,000.Thereisnomaximumlimit.

*Taxability:fullytaxable

*Modeofinvestment:cashorcheque

*Knowyourcustomer(KYC)norms:PANnotrequiredbutidentity/addressproofrequired

*Willbesoldinitiallythroughpostofficesacrossthecountry,butlaterthroughsomegovernmentownedbanksalso

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