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India

Indian Rupee (INR)

30
Moderate
Risk
#119
of 171
Safer
than 31% of currencies
36
global avg score
$888
$1,000 in 5 years
Impact on Citizens

Citizens need modest returns of 3.9% per year to keep up. Inflation is low — a basic savings account or index fund is enough to stay ahead.See savings calculator ↓

Economic Indicators

Inflation Rate
2.4%
Debt to GDP
46.5%
GDP Growth
7.6%
Broad Money / GDP
82.1%

Banking & Stability

NPL Ratio
2.1%
Reserve Months
7.9
Current Account
-0.4%
FX Volatility
20.6

Governance & Markets

Rule of Law
0.0
Black Market Premium
Not available
Capital Controls
17.3
Peg Fragility
Not available

Currency Structure

Global Currency Role
70.0
FX Regime
managed float
Data Coverage
83.0%

Savings Impact Calculator

₹
Holding cash in INR2.4% inflation
₹888−₹112 (11% purchasing power lost)
Your ₹1,000 buys 11% less in 5 years
What if you invested ₹1,000 instead? (5yr, in INR terms)
Hold USD Cash
₹859
−₹141
-3.0%/yr net in INR
S&P 500
₹1611
+₹611
range: ₹734–₹3176
10% USD return + 0.0% FX · ±16% vol
Gold
₹1469
+₹469
range: ₹418–₹4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
₹3052
+₹2052
range: ₹180–₹18.4k
25% USD return + 0.0% FX · ±54% vol

All values in INR. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between India (2.4%) and the US (~3%). This uses purchasing power parity as a long-run approximation — actual FX movements can differ significantly in the short term. S&P 500 based on 1957-2024, Gold on 2000-2024, Bitcoin on 2015-2024. Past performance does not guarantee future results. Not financial advice.

Data last updated: 2026-10-02

Note: World Bank does not cover this country directly. Data sourced from national statistics and IMF estimates.

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