What If I Invested ₹1 Lakh in Reliance, TCS, HDFC Bank 10 Years Ago?
Use our free Indian Stock Return Calculator to find out what ₹1 Lakh (or any amount)
invested in 200+ Indian stocks would be worth today. Compare returns with FD, Gold, and Nifty 50.
Enter the stock, your investment amount, and years — get instant results with CAGR and a benchmark comparison.
Popular Stock Return Calculations
- What if I invested ₹1 Lakh in Reliance Industries 10 years ago? — Worth ~₹3.33L today (+233%)
- What if I invested ₹1 Lakh in TCS 10 years ago? — Worth ~₹3.35L today (+235%)
- What if I invested ₹1 Lakh in Bajaj Finance 10 years ago? — Worth ~₹16L today (+1,500%)
- What if I invested ₹1 Lakh in Trent 5 years ago? — Worth ~₹3.15L today (+215%)
- What if I invested ₹1 Lakh in HDFC Bank 10 years ago? — Worth ~₹2.97L today (+197%)
- What if I invested ₹1 Lakh in Adani Enterprises 10 years ago? — Worth ~₹72L today (+7,180%)
- What if I invested ₹1 Lakh in Titan Company 10 years ago? — Worth ~₹9.43L today (+843%)
- What if I invested ₹1 Lakh in Infosys 10 years ago? — Worth ~₹4.5L today (+350%)
- What if I invested ₹1 Lakh in Asian Paints 10 years ago? — Worth ~₹4.12L today (+312%)
- What if I invested ₹1 Lakh in HAL 5 years ago? — Worth ~₹4.2L today (+320%)
About This Calculator
WhatIfIInvested.in is a free tool that covers 200+ Indian stocks across Nifty 50, Nifty Next 50, and popular
mid-cap and small-cap names. For each stock you can view returns from 1 to 20 years back, with automatic CAGR
calculation and comparison against Nifty 50 (~12% CAGR), Gold (~11% CAGR), and Fixed Deposit (~7% CAGR).
What is CAGR? Understanding Stock Returns
CAGR (Compound Annual Growth Rate) is the key metric for comparing investment returns in India.
It smooths out year-to-year fluctuations to show the steady annual growth rate of an investment.
The formula is: CAGR = (Ending Value ÷ Starting Value)^(1÷Years) − 1.
For example, ₹1 Lakh in Bajaj Finance in 2015 grew to ₹16 Lakh by 2025 — a CAGR of roughly 32% per year.
For comparison, Fixed Deposits offer ~7% CAGR, Gold ~11%, and the Nifty 50 index ~12%. Any stock
consistently beating 12% CAGR over 5+ years is genuinely outperforming the market index.
- Below 7% CAGR: Worse than a Fixed Deposit
- 7–12% CAGR: Matches FD to Nifty 50 — market-average territory
- 12–20% CAGR: Market-beating — strong business quality
- Above 20% CAGR: Multibagger — exceptional compounders like Bajaj Finance, Trent, Titan
Indian Stocks That Turned ₹1 Lakh Into Crores: The Last Decade
The Indian stock market has produced remarkable wealth-creation stories. Here are the top performers
and what made them exceptional compounders.
Bajaj Finance disrupted consumer lending with technology, expanding into tier-2 and
tier-3 cities. ₹1 Lakh invested in 2015 became ~₹16 Lakh by 2025 at 32% CAGR.
Trent (Westside / Zara India) captured India's fast-fashion boom, delivering
exceptional 5-year returns as aspirational middle-class consumers shifted from unbranded to
affordable premium retail.
HAL (Hindustan Aeronautics) and BEL (Bharat Electronics) surged
on India's defence self-reliance push, with multi-year government contracts filling their order books.
Common traits of top performers: dominant position in a growing sector, consistent profit growth,
strong management quality, and patient long-term shareholders who held through market corrections.
Stocks vs Fixed Deposits vs Gold: A 10-Year Comparison
₹1 Lakh invested for 10 years grows very differently depending on where you put it:
- Fixed Deposit at 7%: ₹1,96,715 — safe but barely beats inflation
- Gold at 11%: ₹2,83,942 — good hedge, not a wealth creator
- Nifty 50 at 12%: ₹3,10,585 — steady long-term wealth creation
- Bajaj Finance at 32%: ₹16,00,000+ — exceptional, rare multibagger
Over any 7–10 year period, a diversified stock portfolio or Nifty 50 index fund has consistently
outperformed FDs and gold in India. The key is staying invested through volatility and not
panic-selling during corrections.
The Power of Compounding: Why Starting Early Changes Everything
Compounding is what turns small, regular investments into significant wealth over time. The math
is simple but the outcomes are dramatic.
Investor A starts ₹10,000/month in a Nifty 50 fund at age 25.
Investor B starts the same amount at age 30. At age 55 (at 12% CAGR):
Investor A accumulates ~₹3.5 Crore; Investor B ~₹1.9 Crore. The difference of ₹1.6 Crore
comes from just 5 extra years of compounding — not from investing more money.
India's structural growth story — 6–7% GDP growth, an expanding middle class, and rapid
digital adoption — gives Indian companies a longer runway than their Western counterparts,
making Indian equities especially powerful for long-term compounding.
Frequently Asked Questions
Which Indian stock gave the highest return in the last 10 years?
Based on available data, Adani Enterprises, Bajaj Finance, Trent, and HAL are among the
top performers in the last decade with returns exceeding 1,000–5,000%. However, past
outperformance does not guarantee future returns.
Is investing in stocks better than FD in India?
Over long periods of 7–10+ years, quality stocks and index funds have significantly outperformed
Fixed Deposits. FD gives ~7% CAGR while Nifty 50 gives ~12% CAGR historically. However, stocks
carry higher short-term volatility. FDs are better for emergency funds and short-term goals;
equities are better for long-term wealth creation.
What is the average return of Nifty 50 per year?
The Nifty 50 index has delivered approximately 12% CAGR since its inception in 1996.
This means ₹1 Lakh in a Nifty 50 index fund 10 years ago would be worth about ₹3.1 Lakh today.
How do I calculate what my stock investment is worth today?
Use our calculator: search the stock name, enter your original investment amount, select
how many years ago you invested, and click "Show Returns". The tool calculates current value,
CAGR, total return percentage, and compares the result against Nifty 50, Gold, and Fixed Deposit.
What is a good CAGR for Indian stocks?
Any CAGR above 12% (the Nifty 50 benchmark) over 5+ years is considered market-beating.
A CAGR above 20% over a sustained period is exceptional and indicates a high-quality business.
Below 7% CAGR means the stock underperformed even a Fixed Deposit.
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