₹1 lakh put into gold in January 2016 would be worth ₹5,52,563 today (+453%, +17.1% a year). The same amount in the Sensex ₹2,88,225, and in a bank FD ₹1,97,443. Keeping up with inflation would have needed ₹1,65,326. Change the amount, start date or asset below, or invest every month.
₹1 lakh invested in January 2016, value today
Prices as of Oct 21, 2026, 22:05 UTC
Investment
Value today
Change
Per year
After inflation
GoldCOMEX gold
₹5,52,563
+453%
+17.1%
+234%
SilverCOMEX silver
₹6,01,751
+502%
+18.0%
+264%
BitcoinBTC
₹2,79,25,782
+27,826%
+68.2%
+16,791%
SensexIndian stocks, excluding dividends
₹2,88,225
+188%
+10.3%
+74%
S&P 500US stocks, dividends reinvested
₹6,63,299
+563%
+19.1%
+301%
Fixed deposit1-year bank FD, before tax
₹1,97,443
+97%
+6.5%
+19%
InflationAmount needed to keep up with Indian prices
₹1,65,326
+65%
+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
₹1,71,743+34.3%/yr
₹94,071−3.3%/yr
₹1,12,353+6.6%/yr
₹1,06,626
Gold
Jan 2024
₹2,27,815+33.7%/yr
₹1,02,727+1.0%/yr
₹1,20,236+6.7%/yr
₹1,11,904
Gold
Jan 2023
₹2,57,407+28.0%/yr
₹1,20,738+5.0%/yr
₹1,28,658+6.8%/yr
₹1,18,226
Gold
Jan 2022
₹2,93,163+24.9%/yr
₹1,24,787+4.7%/yr
₹1,35,821+6.5%/yr
₹1,26,148
Gold
Jan 2021
₹2,76,384+19.0%/yr
₹1,54,281+7.7%/yr
₹1,42,770+6.3%/yr
₹1,32,619
Gold
Jan 2020
₹3,61,887+20.7%/yr
₹1,77,417+8.8%/yr
₹1,50,598+6.2%/yr
₹1,41,398
Gold
Jan 2019
₹4,40,351+20.8%/yr
₹2,05,767+9.6%/yr
₹1,61,004+6.3%/yr
₹1,46,673
Gold
Jan 2018
₹4,68,866+19.1%/yr
₹2,18,417+9.2%/yr
₹1,71,889+6.3%/yr
₹1,52,451
Gold
Jan 2017
₹4,98,745+17.8%/yr
₹2,77,690+10.9%/yr
₹1,83,803+6.4%/yr
₹1,57,528
Gold
Jan 2016
₹5,52,563+17.1%/yr
₹2,88,225+10.3%/yr
₹1,97,443+6.5%/yr
₹1,65,326
Gold
Jan 2015
₹5,26,047+15.1%/yr
₹2,64,821+8.6%/yr
₹2,13,576+6.6%/yr
₹1,73,443
Gold
Jan 2014
₹5,19,394+13.7%/yr
₹3,49,344+10.2%/yr
₹2,33,402+6.8%/yr
₹1,85,012
Gold
Jan 2013
₹4,23,632+11.0%/yr
₹3,74,617+10.0%/yr
₹2,54,740+7.0%/yr
₹2,03,550
Gold
Jan 2012
₹4,63,727+10.9%/yr
₹4,63,337+10.9%/yr
₹2,78,415+7.1%/yr
₹2,22,847
Gold
Jan 2011
₹6,16,748+12.2%/yr
₹3,59,188+8.4%/yr
₹3,03,687+7.3%/yr
₹2,42,702
Gold
Jan 2010
₹7,54,811+12.8%/yr
₹4,20,605+8.9%/yr
₹3,23,703+7.2%/yr
₹2,71,802
Gold
Jan 2009
₹9,30,945+13.3%/yr
₹7,41,628+11.9%/yr
₹3,47,622+7.2%/yr
₹3,01,374
Gold
Jan 2008
₹11,69,170+13.9%/yr
₹3,60,869+7.1%/yr
₹3,81,252+7.4%/yr
₹3,26,539
Gold
Jan 2007
₹14,00,112+14.2%/yr
₹5,29,706+8.8%/yr
₹4,13,388+7.4%/yr
₹3,47,340
Gold
Jan 2006
₹16,47,306+14.4%/yr
₹7,86,494+10.4%/yr
₹4,40,678+7.4%/yr
₹3,67,485
Gold
Jan 2005
₹21,12,708+15.0%/yr
₹11,05,715+11.6%/yr
₹4,65,536+7.3%/yr
₹3,83,103
Gold
Jan 2004
₹20,35,159+14.1%/yr
₹12,25,451+11.6%/yr
₹4,89,598+7.2%/yr
₹3,97,546
Gold
Jan 2003
—
₹21,94,698+13.8%/yr
₹5,17,318+7.1%/yr
₹4,12,693
Sensex
Jan 2002
—
₹22,59,079+13.4%/yr
₹5,54,990+7.1%/yr
₹4,30,439
Sensex
Jan 2001
—
₹18,37,649+11.9%/yr
₹6,02,728+7.2%/yr
₹4,46,709
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 ₹5,52,563 now (+453%, +17.1% a year), compared with ₹2,88,225 in the Sensex and ₹1,97,443 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 ₹2,76,384 now (+176%, +19.0% a year), compared with ₹1,54,281 in the Sensex and ₹1,42,770 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 ₹16,47,306 now (+1,547%, +14.4% a year), compared with ₹7,86,494 in the Sensex and ₹4,40,678 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.