RAM vs gold: what if you had bought gold instead?
Something you bought went up in price. Did it beat gold, silver, the Nifty 50 or an FD?
This compares the price rise of any purchase with gold, silver, the Nifty 50 and an SBI FD over the same months, using real month-end data. A ₹3,000 RAM stick bought in October 2025 that costs ₹24,000 now is up 8x. The same ₹3,000 would be about ₹3,169 in gold, ₹2,784 in Nifty 50 or ₹3,194 in SBI FD.
Your purchase multiplied by
Bought October 2025, held about 1 year. It beat all four. Market data to 4 November 2026.
For illustration only. Read the assumptions below for the full picture.
A closer look.
| Option | Worth today | Return | CAGR |
|---|---|---|---|
| Your purchase | ₹24,000 | 700% | 683.3% |
| Gold | ₹3,169 | 5.6% | 5.6% |
| Silver | ₹3,298 | 9.9% | 9.8% |
| Nifty 50 | ₹2,784 | -7.2% | -7.1% |
| SBI FD | ₹3,194 | 6.5% | 6.4% |
Understand your result.
Some things you buy go up in price: a RAM stick during a memory shortage, a sneaker drop, a collectible or a used car. This tool takes what you paid, what it costs today and when you bought it, then asks what the same money would be worth in gold, silver, the Nifty 50 or an SBI fixed deposit over the same months.
The comparison uses real month-end market data, not an assumed return, so it answers a narrow question: did this one purchase keep up? A higher price today only becomes a gain if you can actually sell at that price, after fees, and most gadgets lose value. Treat the result as a fun look back, not a sign that buying hardware is an investment strategy.
A worked example.
Using this calculator’s default inputs, your purchase multiplied by is 8x. This is an illustration of the stated formula, not a forecast.
See the example inputs
| What you paid | ₹3,000 |
|---|---|
| What it costs today | ₹24,000 |
| Month you bought it | October |
| Year you bought it | 2025 |
A common mistake to avoid
Counting the price of a new item today as money you have made, when the one you own is used and may sell for much less.
Questions you might have.
Did RAM really beat gold?
In the example, yes: a ₹3,000 RAM stick that costs ₹24,000 a year later is up 8x, while the same ₹3,000 in gold grew about 5.6% from the end of October 2025 to 4 November 2026. Memory prices swing with supply shortages, so the same stick could fall just as fast.
Can I use this for something other than RAM?
Yes. Enter any purchase: a phone, a watch, sneakers, a gaming console, a car or a collectible. The tool only needs what you paid, the price today and the month you bought it.
Where does the market data come from?
Gold and silver are COMEX futures prices converted to rupees at the same day’s USD/INR rate, the Nifty 50 is the NSE price index, all as month-end closes from Yahoo Finance, and the FD uses SBI’s published 1 year deposit rate history. The page shows the as-of date.
Why compare with gold, silver, Nifty 50 and an FD?
They are four common ways Indians park money: precious metals, the stock market through an index and a bank deposit. Seeing all four side by side shows how unusual a big price jump is.
Is the gold price the same as my local jeweller’s?
No. It is the international price converted to rupees. Local prices add import duty, GST and making charges, and duty rates have changed over the years.
Prepared by INDwise · Calculation checks: 29 October 2026How we check the maths · Report a correction
Where the numbers come from
Gold and silver: COMEX futures converted to rupees at the same day’s USD/INR rate, month-end closes from January 2008 to 3 November 2026. Nifty 50: NSE price index, month-end closes to 4 November 2026. FD: SBI 1 year retail card rate for the general public, every revision from January 2008 to the 15 December 2025 rate of 6.25%, checked as still current on 4 November 2026.
How we calculate it
Your return = price today ÷ price paid − 1. CAGR = (price today ÷ price paid)^(1 ÷ years) − 1, shown for holding periods of a year or more. Gold, silver and Nifty 50 value = amount paid × (value on the as-of date ÷ month-end value in the month you bought). FD value = amount paid in an SBI 1-year FD from the last day of that month, renewed every year at the card rate then in force, compounded quarterly; a final part-year earns simple interest.
Assumptions & things to know
Uses month-end closing values, so a purchase early in a month is treated as if made at that month’s close. Gold and silver are international COMEX futures prices converted to rupees; Indian retail prices also include import duty, GST and making charges, and duty changes over the years mean local prices can move differently. Nifty 50 is the price index, so dividends are excluded. FD values are before tax and TDS. No buying or selling costs are included. This is a look back at past prices for fun, not a prediction or a recommendation.
Your privacy & sharing
Your financial inputs are used only within this page. Saved calculators use this browser’s local storage. Sharing creates a link with the entered values, so anyone with that link can see those values. A downloaded summary stays on your device.