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of <h1>Kisan Vikas Patra certificates: rules on purchase, joint holding, duplicates, maturity at 5.5 years, and early encashment limits</h1> The Kisan Vikas Patra Rules, 1988 prescribe the regulatory framework for issue, holding, replacement, and encashment of Kisan Vikas Patra certificates with effect from 1 April 1988, applying the Post Office Savings Certificate Rules, 1960 where these rules are silent. Certificates are issued in denominations of 1,000, 5,000 and 10,000, may be purchased in any number, and may be issued as single-holder or joint 'A'/'B' types to specified eligible persons and entities; purchase is through a prescribed application and specified payment modes, with issuance date tied to payment/realisation. The rules provide for identity slips, duplicate certificates for loss/damage subject to conditions, encashment primarily at the office of issue, maturity at 5.5 years with specified maturity value, limited premature encashment on stated grounds with reduced returns, and discharge, rectification, and relaxation powers.
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