{"id":281740,"date":"2026-09-30T16:59:00","date_gmt":"2026-09-30T11:29:00","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=281740"},"modified":"2026-09-30T16:59:00","modified_gmt":"2026-09-30T11:29:00","slug":"nifty-5-year-cagr-vs-bank-fd-returns-mutual-fund-sahi-hai","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/nifty-5-year-cagr-vs-bank-fd-returns-mutual-fund-sahi-hai\/","title":{"rendered":"Nifty 5-Year CAGR Falls to About 5%, Below Bank FD Returns: Is It Time to Rethink ‘Mutual Fund Sahi Hai’?"},"content":{"rendered":"

Nifty 50 closed 22,620.45 on 30 Sep 2026, about 28% above its level five years ago. Nifty 5-year CAGR about 5.1% (price). Nifty 5-year SIP XIRR about 4.5%. Midcap 150 about 14.9%.<\/em><\/p>\n

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Quick Answer<\/strong><\/p>\n

The Nifty 5-year CAGR has slipped to roughly 5.1% on a price basis, as the Nifty 50 closed at 22,620.45 on 30 September 2026, only about 28% above its level five years ago. That is below the 6% to 7% many banks have offered on 5-year FDs, and a 5-year Nifty SIP has returned just about 4.5% XIRR. But the comparison ignores dividends, taxes and longer periods, where equities have done better, and midcaps returned about 14.9% over the same five years. Mutual Fund Sahi Hai is about long-term diversification, not guaranteed returns.<\/p>\n<\/div>\n

The Nifty 5-year CAGR has fallen below bank FD returns, raising uncomfortable questions for equity investors and for the popular Mutual Fund Sahi Hai campaign. The Nifty 50 closed at 22,620.45 on Wednesday, 30 September 2026, only about 28% higher than its level of around 17,600 five years ago, which works out to a compounded annual growth rate of roughly 5.1%.<\/p>\n

Beyond the Nifty 5-year CAGR, Nifty SIP returns look even weaker. A monthly SIP in the Nifty 50 has delivered an XIRR of just about 4.5% over five years, according to ACE MF data, while the one-year SIP return is negative 10.5%. With the Nifty having just posted its worst September since 2018, many investors are asking whether equity is still worth the risk.<\/p>\n

Click Here – Get Free Investment Predictions<\/strong><\/a><\/p>\n

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