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Put the same rupees into gold, Nifty 50 and a bank FD from any financial year. Default is year-to-year FY averages. Switch to Today to mark gold and Nifty at live prices.
Comparison engine
Gold vs Nifty vs FD
₹26,46,871
Gold leads · FY 2000-01 → 2025-26 · 25 years
RBI gold · NSE Nifty · FD 6.5% model
Ends FY 2025-26 averages · FD 6.5% p.a.
₹1,00,000 from FY 2000-01 to FY 2025-26 in rupees. Gold and Nifty both use RBI/NSE financial-year averages.
| Asset | Nominal today | Real today | Nominal CAGR | Real CAGR |
|---|---|---|---|---|
| Gold · lead | ₹26,46,871 | ₹6,85,718 | 14.00% | 8.01% |
| Nifty 50 | ₹18,73,653 | ₹4,85,402 | 12.44% | 6.52% |
| FD | ₹4,82,770 | ₹1,25,070 | 6.50% | 0.90% |
Rupee path to FY 2025-26
Gold and Nifty are RBI/NSE FY averages through FY 2025-26. FD is a 6.5% model, not a quoted bank rate. Not investment advice.
Same rupees in three assets
RBI · NSE · MOSPI
RBI gold · NSE Nifty
FD 6.5% is a stated assumption
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Gold grams = amount ÷ (RBI FY average ₹/10g ÷ 10). Default end = FY 2025-26 average ₹/g; Today = live MCX ₹/g. Nifty units = amount ÷ RBI/NSE FY average; default end = FY 2025-26 average; Today = live NSE Nifty from the same snapshot as other calculators. FD = amount × (1.065)^years, from the start FY to FY 2025-26. Optional After CPI: real value = nominal × (start CPI ÷ current CPI), IndiaGraphs FY inflation index, base FY 2000–01 = 100, locked to FY 2024-25.
Hold the starting amount fixed and ask a simple question: if that money had sat in gold, tracked the Nifty 50, or rolled in a bank FD, what is it worth today? Gold here is the metal price, not jewellery. Nifty is the index, not a fund with an expense ratio. FD is a 6.5% model, not a live bank quote.
Use After CPI when you want those rupees in MOSPI purchasing power. For metal CAGR only, see the Gold and Silver Returns Calculator.