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India
32
Moderate
Risk
Risk
#108
of 171
Safer
than 37% of currencies
37
global avg score
$785
$1,000 in 5 years
Impact on Citizens
Citizens need to earn at least 6.5% per year on savings to stay ahead. Money sitting in a regular account is slowly losing value.See savings calculator ↓
Economic Indicators
Inflation Rate
5.0%
Debt to GDP
46.5%
GDP Growth
6.5%
Broad Money / GDP
82.1%
Banking & Stability
NPL Ratio
1.7%
Reserve Months
7.5
Current Account
-0.8%
FX Volatility
31.0
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 INR5.0% inflation
₹785−₹215 (21% purchasing power lost)
Your ₹1,000 buys 21% less in 5 years
What if you invested ₹1,000 instead? (5yr, in INR terms)
USD-denominated assets gain an additional ~2.0%/yr from expected INR depreciation vs USD
Hold USD Cash
₹949
−₹51
-1.0%/yr net in INR
S&P 500
₹1759
+₹759
range: ₹813–₹3430
10% USD return + 2.0% FX · ±16% vol
Gold
₹1607
+₹607
range: ₹469–₹4313
8% USD return + 2.0% FX · ±24% vol
Bitcoin
₹3298
+₹2298
range: ₹207–₹19.4k
25% USD return + 2.0% FX · ±54% vol
All values in INR. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~2.0%/yr based on the inflation differential between India (5.0%) 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: 2026-05-19
Note: World Bank does not cover this country directly. Data sourced from national statistics and IMF estimates.