GENERAL30 Sept 2026
Nifty's 5-year CAGR falls below Bank FD returns - Is it time to evaluate 'Mutual Fund Sahi Hai' slogan? | Stock Market News
Nifty 50's five-year growth has fallen below 5.5%, lower than the roughly 6% to 6.5% that bank fixed deposits paid in the same period. Long-term equity and SIP (Systematic Investment Plan) investors are affected, since these returns also lag India's average 6% inflation. Compare the right numbers before judging any fund, and treat the 'Mutual Fund Sahi Hai' slogan as an average, not a promise.
Key Statutory Highlights
- The Nifty 50 is down around 13.50% this year, and its five-year CAGR on a price basis works out to only about 5.2%.
- Bank fixed deposits returned around 6% to 6.50% over the last five years, while the Nifty 50 SIP delivered an XIRR of 4.50%.
- Gold gave an absolute return of 200% and a CAGR of around 25% during this period.
Actionable Advice for Taxpayers / Founders:Before stopping or switching any investment, compare like with like — check your own statements and use the Nifty 50 TRI for lump-sum holdings and XIRR for SIPs — and discuss your goals with a registered adviser rather than acting on a headline number alone.
Statutory Disclaimer: TaxQue Shorts are AI-assisted editorial briefs for compliance awareness. This brief has not passed every source check; confirm the original notification before acting. This does not constitute formal legal or CA counsel.
TaxQue News Desk
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