₹1 lakh put into bitcoin in January 2016 would be worth ₹2,68,02,726 today (+26,703%, +67.5% a year). The same amount in the Sensex ₹2,83,346, 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 23, 2026, 19:49 UTC
Investment
Value today
Change
Per year
After inflation
BitcoinBTC
₹2,68,02,726
+26,703%
+67.5%
+16,112%
GoldCOMEX gold
₹5,34,783
+435%
+16.7%
+223%
SilverCOMEX silver
₹5,61,052
+461%
+17.3%
+239%
SensexIndian stocks, excluding dividends
₹2,83,346
+183%
+10.1%
+71%
S&P 500US stocks, dividends reinvested
₹6,51,862
+552%
+18.9%
+294%
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
Bitcoin compared with Sensex, bank fixed deposits and inflation, one-time investment.
Invested
Bitcoin
Gold
Sensex
Fixed deposit
Inflation
Best
Jan 2025
₹95,134−2.7%/yr
₹1,66,217+31.9%/yr
₹92,479−4.2%/yr
₹1,12,353+6.6%/yr
₹1,06,626
Gold
Jan 2024
₹2,09,574+29.8%/yr
₹2,20,485+32.2%/yr
₹1,00,988+0.3%/yr
₹1,20,236+6.7%/yr
₹1,11,904
Gold
Jan 2023
₹5,60,124+56.7%/yr
₹2,49,124+26.9%/yr
₹1,18,694+4.6%/yr
₹1,28,658+6.8%/yr
₹1,18,226
Bitcoin
Jan 2022
₹2,16,860+17.4%/yr
₹2,83,730+24.1%/yr
₹1,22,675+4.3%/yr
₹1,35,821+6.5%/yr
₹1,26,148
Gold
Jan 2021
₹3,58,919+24.5%/yr
₹2,67,491+18.4%/yr
₹1,51,670+7.4%/yr
₹1,42,770+6.3%/yr
₹1,32,619
Bitcoin
Jan 2020
₹15,01,515+48.7%/yr
₹3,50,242+20.1%/yr
₹1,74,414+8.5%/yr
₹1,50,598+6.2%/yr
₹1,41,398
Bitcoin
Jan 2019
₹28,76,012+53.5%/yr
₹4,26,181+20.3%/yr
₹2,02,284+9.4%/yr
₹1,61,004+6.3%/yr
₹1,46,673
Bitcoin
Jan 2018
₹8,83,802+28.0%/yr
₹4,53,778+18.7%/yr
₹2,14,720+9.0%/yr
₹1,71,889+6.3%/yr
₹1,52,451
Bitcoin
Jan 2017
₹1,13,60,218+61.8%/yr
₹4,82,697+17.4%/yr
₹2,72,989+10.8%/yr
₹1,83,803+6.4%/yr
₹1,57,528
Bitcoin
Jan 2016
₹2,68,02,726+67.5%/yr
₹5,34,783+16.7%/yr
₹2,83,346+10.1%/yr
₹1,97,443+6.5%/yr
₹1,65,326
Bitcoin
Jan 2015
₹3,89,05,180+65.5%/yr
₹5,09,120+14.7%/yr
₹2,60,338+8.4%/yr
₹2,13,576+6.6%/yr
₹1,73,443
Bitcoin
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
Bitcoin, gold 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 bitcoin in 2016 be worth today?
Invested in January 2016, ₹1 lakh in bitcoin would be worth about ₹2,68,02,726 now (+26,703%, +67.5% a year), compared with ₹2,83,346 in the Sensex and ₹1,97,443 in fixed deposits.
How much would ₹1 lakh invested in bitcoin in 2021 be worth today?
Invested in January 2021, ₹1 lakh in bitcoin would be worth about ₹3,58,919 now (+259%, +24.5% a year), compared with ₹1,51,670 in the Sensex and ₹1,42,770 in fixed deposits.
Has bitcoin beaten the stock market?
It depends on the period. From September 2014 to today, bitcoin returned +58.8% a year in rupees, against +8.5% for the Sensex (excluding dividends of roughly 1–1.5% a year). Of the 11 January start dates in the table, bitcoin is ahead of the Sensex today for 11 and behind for 0.
Has bitcoin beaten inflation?
Since September 2014, bitcoin has grown from ₹1 lakh to ₹2,78,44,068, while prices rose enough that ₹1,77,217 is needed today to buy what ₹1 lakh bought then. Of the 11 January start dates in the table, bitcoin is ahead of inflation today for 10 and behind for 1.
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 exchange fees and spreads, 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. Bitcoin and stocks can fall sharply, and the best and worst asset changes from one period to the next.