Personal finance · India
Inflation vs Portfolio Returns Tracker
Money-weighted returns (IRR) measured against India's CPI inflation, with Nifty 50, BSE Sensex and S&P 500 benchmarks. Everything is editable and stored in your browser.
Latest period
FY2024-25
Nominal return
9.80%
CPI inflation
4.60%
Real return (from table row)
4.97%
Returns vs inflation
Bars: portfolio nominal (solid) and real (faded). Solid line: CPI inflation. Dashed lines: benchmark index returns.
Data table
One row per period. Use FY2024-25 for yearly, Q1 FY2025-26 for quarterly.
| Date | CPI % | Portfolio nominal % | Real % | Nifty 50 % | Sensex % | S&P 500 % | |
|---|---|---|---|---|---|---|---|
| 23.73% | |||||||
| 12.04% | |||||||
| −4.03% | |||||||
| 19.64% | |||||||
| 4.97% |
Money-weighted return (XIRR)
Contributions negative, withdrawals positive. Ending value is the portfolio's market value on the end date.
Annualised MWR
18.04%
Real MWR @ latest CPI (4.60%)
12.85%
Worked example — FY2024-25
- Opening investment (1 Apr 2024)
- ₹5,00,000
- Added 1 Jul 2024 / 1 Oct 2024
- ₹1,00,000 each
- Withdrawn 15 Jan 2025
- ₹50,000
- Closing value (31 Mar 2025)
- ₹7,60,000
- Money-weighted return (XIRR)
- 18.04%
- CPI inflation (FY2024-25)
- 4.60%
Real return formula
Real = (1 + Nominal) ÷ (1 + Inflation) − 1
= (1 + 0.1804) ÷ (1 + 0.0460) − 1
= 12.85% in purchasing-power terms
Simple subtraction (Nominal − Inflation) overstates the result; always use the ratio form above.
Note: the KPI tile at the top uses the Portfolio nominal % value typed into the latest table row, not this XIRR. Copy the MWR above into that cell so both figures match.
How to update the tracker
1 · CPI inflation
- MOSPI releases the All-India CPI (Combined) press note around the 12th of each month at mospi.gov.in → Press Releases → CPI.
- For a quarter, average the three monthly YoY inflation rates. For a financial year, average all twelve (Apr–Mar).
- Cross-check with RBI's Database on Indian Economy (dbie.rbi.org.in) → Prices and Wages → CPI.
2 · Benchmark returns
- Nifty 50: use the Total Return / price index closing level from NSE indices; SEBI's Handbook of Statistics carries yearly index returns.
- Sensex: BSE index archives, or RBI's Handbook of Statistics on the Indian Economy (financial-market tables).
- S&P 500 (optional): closing levels from S&P Dow Jones Indices. Return = (End ÷ Start) − 1.
3 · Your portfolio
- List every contribution (negative) and withdrawal (positive) with its date in the XIRR panel.
- Enter the closing market value and the period end date; copy the resulting MWR into the Portfolio nominal % column.
- The Real % column recalculates automatically. Export CSV each period to keep an offline archive.
Cadence: update quarterly within ~3 weeks of quarter end (once CPI for the final month is published), and lock the full-year row after the March CPI release. Sample figures shown are illustrative — replace them with official data.