Nifty SIP return fails to beat even bank FD over 5 years: Is this the warning sign investors can’t ignore?
- Posted on September 29, 2026
- By Business News Today
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- 1 min read
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Nifty SIP return fails to beat even bank FD over 5 years: Is this the warning sign investors can’t ignore?
New insights reveal that systematic investment plans in the Nifty50 have consistently underperformed, presenting a five-year XIRR of merely 4.5%. This result places Nifty50 below the returns of traditional fixed deposits. In contrast, midcap and smallcap indices have shown impressive gains. Analysts recommend a strategy focusing on individual stock selection and earnings growth rather than relying solely on index performance, prompting a reassessment of index-based investment approaches.
