Nifty 50 Index Fund Returns Calculator
Nifty 50 index funds track India's top 50 large-cap stocks. The 10-year CAGR of Nifty 50 (total return) is approximately 13%. A Rs 10,000 SIP for 20 years at 13% grows to Rs 1.19 crore - from Rs 24 lakh invested. Expense ratios for Nifty 50 index funds are now 0.1-0.2%, the lowest in the mutual fund industry.
Total Invested
₹12.00 L
Estimated Returns
₹11.23 L
Total Value
₹23.23 L
Wealth Gained
94%
SIP returns use monthly compounding. Returns are pre-tax estimates. LTCG above ₹1.25L taxed at 12.5% for equity funds.
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Common questions about Nifty 50 Index Fund Returns Calculator
Which Nifty 50 index fund has the lowest expense ratio?
As of 2025, the lowest expense ratio for Nifty 50 index funds is around 0.10-0.20%. Motilal Oswal Nifty 50 Index Fund, UTI Nifty 50 Index Fund, and SBI Nifty Index Fund are consistently among the cheapest. A 0.5% difference in expense ratio compounds to a Rs 30,000-50,000 difference on a Rs 5 lakh investment over 10 years.
Nifty 50 index fund vs Nifty Next 50 - which is better?
Nifty 50: top 50 stocks by market cap. More stable, 12-14% historical CAGR. Nifty Next 50: stocks ranked 51-100. Higher expected returns (15-17% historical CAGR) but 2-3x more volatile. Many investors split allocations: 70% Nifty 50, 30% Nifty Next 50 as a blend for slightly higher long-term returns with manageable volatility.
What happens to my Nifty 50 index fund during a market crash?
Nifty 50 fell about 38% in the COVID crash (Jan-March 2020) and recovered fully in 6 months. It fell 60% in the 2008 financial crisis and took 3 years to recover. SIP investors benefit during crashes through rupee-cost averaging - they buy more units at lower prices. A lumpsum investor at market peak in 2008 waited 3 years to break even.