Nifty SIP return fails to beat even bank FD over 5 years: Is this the warning sign investors can’t ignore?
A quarterly results development with market-wide reach.
29 Sept 2026 · Economic Times Markets, ET Stocks
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.
The analysis
Earnings versus expectations is what actually re-rates a stock; the surprise matters more than the absolute number.
Because the driver here is macro rather than company-specific, the read-through is to index-level positioning rather than to any single name — correlations tend to rise when the whole market faces the same signal.
Market context
- This is a market-wide development — its reach goes beyond any single stock.
- The immediate tone of coverage reads positive.
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