₹1 lakh put into gold in January 2016 would be worth ₹5,17,793 today (+418%, +16.3% a year). The same amount in the Sensex ₹2,90,592, and in a bank FD ₹1,98,471. Keeping up with inflation would have needed ₹1,66,070. Change the amount, start date or asset below, or invest every month.
₹1 lakh invested in January 2016, value today
Prices as of Oct 30, 2026, 21:55 UTC
Investment
Value today
Change
Per year
After inflation
GoldCOMEX gold
₹5,17,793
+418%
+16.3%
+212%
SilverCOMEX silver
₹5,10,248
+410%
+16.1%
+207%
BitcoinBTC
₹2,55,95,857
+25,496%
+66.2%
+15,313%
SensexIndian stocks, excluding dividends
₹2,90,592
+191%
+10.3%
+75%
S&P 500US stocks, dividends reinvested
₹6,48,971
+549%
+18.7%
+291%
Fixed deposit1-year bank FD, before tax
₹1,98,471
+98%
+6.5%
+20%
InflationAmount needed to keep up with Indian prices
₹1,66,070
+66%
+4.8%
—
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"Per year" is the average annual return (money-weighted for monthly investing). "After inflation" compares each result with the amount needed to keep up with prices (inflation data to September 2026). Before taxes, fees, premiums and storage costs.
₹1 lakh Invested in January of Each Year: Value Today
Gold compared with Sensex, bank fixed deposits and inflation, one-time investment.
Invested
Gold
Sensex
Fixed deposit
Inflation
Best
Jan 2025
₹1,60,936+28.2%/yr
₹94,844−2.7%/yr
₹1,12,938+6.6%/yr
₹1,07,106
Gold
Jan 2024
₹2,13,480+29.7%/yr
₹1,03,571+1.2%/yr
₹1,20,862+6.7%/yr
₹1,12,408
Gold
Jan 2023
₹2,41,210+25.2%/yr
₹1,21,730+5.1%/yr
₹1,29,329+6.8%/yr
₹1,18,759
Gold
Jan 2022
₹2,74,716+22.8%/yr
₹1,25,812+4.8%/yr
₹1,36,529+6.5%/yr
₹1,26,716
Gold
Jan 2021
₹2,58,993+17.4%/yr
₹1,55,549+7.8%/yr
₹1,43,514+6.3%/yr
₹1,33,216
Gold
Jan 2020
₹3,39,116+19.3%/yr
₹1,78,875+8.8%/yr
₹1,51,383+6.2%/yr
₹1,42,035
Gold
Jan 2019
₹4,12,642+19.6%/yr
₹2,07,457+9.7%/yr
₹1,61,843+6.3%/yr
₹1,47,333
Gold
Jan 2018
₹4,39,362+18.1%/yr
₹2,20,211+9.3%/yr
₹1,72,785+6.3%/yr
₹1,53,138
Gold
Jan 2017
₹4,67,362+16.8%/yr
₹2,79,971+10.9%/yr
₹1,84,760+6.4%/yr
₹1,58,238
Gold
Jan 2016
₹5,17,793+16.3%/yr
₹2,90,592+10.3%/yr
₹1,98,471+6.5%/yr
₹1,66,070
Gold
Jan 2015
₹4,92,946+14.3%/yr
₹2,66,996+8.6%/yr
₹2,14,688+6.6%/yr
₹1,74,224
Gold
Jan 2014
₹4,86,712+13.0%/yr
₹3,52,213+10.2%/yr
₹2,34,618+6.8%/yr
₹1,85,845
Gold
Jan 2013
₹3,96,975+10.4%/yr
₹3,77,694+10.0%/yr
₹2,56,067+7.0%/yr
₹2,04,467
Gold
Jan 2012
₹4,34,548+10.4%/yr
₹4,67,143+10.9%/yr
₹2,79,865+7.1%/yr
₹2,23,850
Sensex
Jan 2011
₹5,77,939+11.7%/yr
₹3,62,139+8.4%/yr
₹3,05,269+7.3%/yr
₹2,43,795
Gold
Jan 2010
₹7,07,315+12.3%/yr
₹4,24,060+8.9%/yr
₹3,25,389+7.2%/yr
₹2,73,026
Gold
Jan 2009
₹8,72,365+12.9%/yr
₹7,47,719+11.9%/yr
₹3,49,433+7.2%/yr
₹3,02,732
Gold
Jan 2008
₹10,95,601+13.5%/yr
₹3,63,833+7.1%/yr
₹3,83,237+7.4%/yr
₹3,28,010
Gold
Jan 2007
₹13,12,011+13.8%/yr
₹5,34,057+8.8%/yr
₹4,15,541+7.4%/yr
₹3,48,904
Gold
Jan 2006
₹15,43,650+14.0%/yr
₹7,92,954+10.4%/yr
₹4,42,974+7.4%/yr
₹3,69,140
Gold
Jan 2005
₹19,79,767+14.6%/yr
₹11,14,797+11.6%/yr
₹4,67,961+7.3%/yr
₹3,84,829
Gold
Jan 2004
₹19,07,098+13.7%/yr
₹12,35,517+11.6%/yr
₹4,92,148+7.2%/yr
₹3,99,337
Gold
Jan 2003
—
₹22,12,725+13.8%/yr
₹5,20,012+7.1%/yr
₹4,14,552
Sensex
Jan 2002
—
₹22,77,635+13.4%/yr
₹5,57,881+7.1%/yr
₹4,32,377
Sensex
Jan 2001
—
₹18,52,743+11.9%/yr
₹6,05,868+7.2%/yr
₹4,48,721
Sensex
Value today of ₹1 lakh invested on the first trading day of January of each year. The "Inflation" column is what you would need today to match the buying power of ₹1 lakh then.
How the calculator works
Gold, silver and bitcoin: daily closing prices in US dollars, converted to rupees at each day's exchange rate; today's value uses the live price.
Stocks: the S&P 500 total return index (dividends reinvested) and the BSE Sensex (price index — dividends of roughly 1–1.5% a year are not included).
Fixed deposits: average one-year bank FD rate for each year, compounded monthly, before tax.
Inflation: India's consumer price inflation (annual averages, spread evenly over the months).
Monthly investing buys on the first trading day of each month at that day's close.
Not included: taxes, dealer premiums and making charges, storage, fund fees and exchange spreads. Past returns are not a guide to the future, and this is not investment advice.
How much would ₹1 lakh invested in gold in 2016 be worth today?
Invested in January 2016, ₹1 lakh in gold would be worth about ₹5,17,793 now (+418%, +16.3% a year), compared with ₹2,90,592 in the Sensex and ₹1,98,471 in fixed deposits.
How much would ₹1 lakh invested in gold in 2021 be worth today?
Invested in January 2021, ₹1 lakh in gold would be worth about ₹2,58,993 now (+159%, +17.4% a year), compared with ₹1,55,549 in the Sensex and ₹1,43,514 in fixed deposits.
How much would ₹1 lakh invested in gold in 2006 be worth today?
Invested in January 2006, ₹1 lakh in gold would be worth about ₹15,43,650 now (+1,444%, +14.0% a year), compared with ₹7,92,954 in the Sensex and ₹4,42,974 in fixed deposits.
What does the calculator include and leave out?
It uses daily closing prices (the first close of each month for monthly investing) converted at that day's exchange rate. It leaves out dealer premiums, making charges, storage and insurance, taxes on gains and on interest, and fund charges. The S&P 500 figures include reinvested dividends; the Sensex figures do not. Deposit returns use average annual rates, compounded monthly, before tax.
Is this investment advice?
No. It shows what happened in the past, which says nothing reliable about the future. Gold and stocks can fall sharply, and the best and worst asset changes from one period to the next.