Value of ₹10,000 invested on 29 Jan 2021, month by month.
| Where | Worth now | Change | Against IRFC |
|---|---|---|---|
| Indian Railway Finance Corporation | ₹32,698 | +227.0% | — |
| NIFTY 50 | ₹17,161 | +71.6% | ₹15,537 more |
| Fixed deposit at 6.5% | ₹14,242 | +42.4% | ₹18,455 more |
The NIFTY 50 figure is the index itself over the same dates, which like this page counts price only and no dividends — so the two are measured the same way. The fixed deposit line assumes a steady 6.5% a year for the whole period. No bank held one rate that long: Indian deposit rates ran from around 9% in 2014 to about 5.5% in 2021. Treat it as a yardstick, not a record of what a deposit actually paid.
| Year | Change |
|---|---|
| 2026 | -34.9% |
| 2025 | -16.4% |
| 2024 | +50.0% |
| 2023 | +205.2% |
| 2022 | +42.5% |
| 2021 | -8.2% |
₹10,000 at ₹24.80 a share buys 403.23 shares. Held to the close of 11 Sep 2026 at ₹81.09, those shares are worth ₹32,698. Dividends are not included, and neither are brokerage, taxes or charges — the real figure would differ on both counts.
Data covers 29 Jan 2021 to 11 Sep 2026 (1,392 trading days), from end-of-day NSE prices. This page is a record of what prices did. It is not advice, and nothing here is a recommendation to buy or sell — read the disclaimer.