Nifty 50 and fixed deposits in real terms Gold has long been seen as an inflation hedge in India. In nominal terms it has had strong runs; in real terms the picture is more mixed. Gold does not pay dividends or interest—its return comes only from price change. The calculator uses RBI FY average prices and the current MCX-based level. For historical gold and silver prices，72， the gap between nominal returns and real (inflation-adjusted) returns is often large. This calculator helps you see that gap for three common assets: gold， as a long-term bank FD benchmark. Not a guarantee; actual rates vary by bank and period. Frequently asked questions What is nominal vs real wealth? How is inflation applied? Where do Gold and Nifty prices come from? Is this calculator accurate? Understanding Real Wealth in India: Gold vs Nifty vs FD Real wealth is what your money can buy over time， the goal is to see which asset preserved or grew your real wealth. When each asset outperforms Each asset outperforms under different conditions. Gold tends to do well during uncertainty and when real interest rates are low. Nifty does well when the economy and corporate earnings grow. FD does well when you need certainty and cannot tolerate volatility—but at the cost of real returns when inflation is high. There is no single “best” asset; the calculator is a tool to understand trade-offs. Long-term purchasing power logic If your nominal return is lower than inflation， 6:14 AM Gold: MCX spot (₹14， and fixed deposits. You can compare a lump sum invested in a chosen financial year to its value today in both nominal and real terms，821 Real value (inflation-adjusted) ₹8，21，974 Total return 3072.82% Nominal CAGR 15.49% Real CAGR 9.17% Inflation impact 74.09% Purchasing power breakdown InflationReal gain As of 28 Jul 2026， and FD from your chosen start year to the last completed FY. You can switch between nominal and real (inflation-adjusted) to see who won in rupees and who won in purchasing power. Interpretation matters: gold might lead in one decade and lag in another; Nifty’s volatility means short-term comparisons can be misleading. Long-term。
and FD in both nominal and real terms， try our Gold Silver Calculator. How to read the Asset Battle The Asset Battle view compares Gold， and how much of that growth remains after inflation. Fixed deposits act as a capital stabilizer: low risk， and FD are compared from your selected start FY until the last completed FY. Each asset is tracked in the same nominal terms (₹) and can be viewed in nominal or inflation-adjusted (real) terms. This shows how each would have grown and how much inflation eroded purchasing power. Data Sources Gold: RBI Handbook of Statistics – FY average price (₹/10g). Today’s valuation uses MCX snapshot. Nifty 50: RBI/NSE FY average index. Latest level from live Nifty data. CPI / Inflation: NSO (National Statistical Office) FY inflation index， you are losing ground. Real wealth grows only when your return beats inflation. By comparing Gold， but only after adjusting for inflation can you tell whether you actually got richer in terms of what you can buy. Gold， predictable nominal returns， base FY 2000–01 = 100. Only the last completed FY is used. FD: Fixed deposit returns are modelled at 6.5% p.a. compounded， equities have often beaten inflation， Nifty 50， where inflation has historically eroded the value of cash。
you can see how Indian investors have fared across different periods and make more informed choices for your own goals. This is educational content。
the real return on FDs can be low or negative. They are useful for safety and liquidity， that compounds into a big loss of purchasing power. Similarly， but vulnerable to inflation. We assume a long-term average bank FD rate of 6.5% p.a. compounded. In high-inflation periods，195 /g) Nifty: NSE live ₹23， and see how Gold。
Nifty， but if inflation runs at 6%，985 Inflation: MoSPI (last completed FY) Methodology data sources Methodology This calculator uses a CPI-normalized index with base FY 2000–01 = 100 . Nominal value is the rupee value of your investment today. Real value adjusts for inflation so you can compare purchasing power across time. Nominal vs real: Nominal value is computed from historical asset returns (Gold: RBI FY average; Nifty: RBI/NSE FY index; FD: 6.5% p.a. compounded). Real value is derived as: Real Value = Nominal Value × (Base CPI ÷ Current CPI) . Base CPI is the index for your chosen start year; current CPI is the index for the latest completed financial year. Asset Battle: Gold， not for long-term wealth creation in real terms. For jewellery and bullion context， the Nifty 50 index， Nifty 50， your real return is barely 1%. Over decades。
but with high volatility. The calculator uses RBI/NSE FY average index data and the latest Nifty level to show how an investment in a past FY would have grown， Nifty 50 and FD have performed over the same period. Why nominal returns mislead investors Nominal returns mislead because they ignore the cost of living. A fixed deposit that pays 7% per year might sound safe。
not investment advice; always consider your risk tolerance and time horizon. Embed This Calculator Add this Real Wealth Calculator to your website or blog. Free to use with attribution. Please retain attribution link when embedding. Copy Embed Code ✓ Free to use ✓ Attribution required ，000 from 2000-01 looks in todays rupees after inflation. Nominal value today ₹31，。
gold or equity might show impressive nominal growth， Real Wealth Calculator Real Wealth Calculator Developed by Indiagraphs Research Nominal vs real wealth across Gold，00， see our gold data series and silver analysis. The Nifty 50 represents the growth engine of large-cap Indian equity. Over long periods， not the number of rupees in your account. In India， Nifty 50 and FD – with inflation-adjusted purchasing power. Real Wealth Asset Battle Investment inputs GoldNifty 50FD Period: FY 2000–01 → Today (Live) · FD assumed at 6.5% long-term average bank rate. Wealth snapshot today How your ₹1。