NDTV Profit's Diwali gold illustration puts 25 annual ₹25,000 purchases at about ₹2.7 million under 10% yearly growth, with the result depending on how long the final contribution remains invested.
The outlet reports a modeled value of ₹438,279 after 10 purchases, about ₹873,000 after 15 and about ₹2.7 million after 25. The corresponding contributions total ₹250,000, ₹375,000 and ₹625,000. These are nominal rupee values from a scenario, not recorded investment results.
The totals can be reproduced if each annual ₹25,000 installment enters the calculation at the start of its year and the balance continues growing for another year after the last installment. NDTV Profit does not specify when it values the holding; measuring it immediately after the final purchase would produce a different figure. That one-year interval is part of the reconstruction, not a stated feature of the outlet's illustration.
The calculation counts the full ₹25,000 each year as gold purchased and leaves out buying costs, including goods and services tax (GST). The India Bullion and Jewellers Association (IBJA), in a bulletin dated Nov. 4, listed a Nov. 3 PM rate of ₹137,576 per 10 grams for 999-purity gold, excluding GST. By arithmetic, a higher price can raise the rupee value assigned to gold already held while reducing how much a later ₹25,000 contribution buys.
The 10% assumption has historical context, but it is not a forecast. A World Gold Council study published in 2022 calculated an average annual rupee return of 10% across a 41-year sample ending in December 2021. That past average does not establish what future Diwali purchases will earn.
The council separately reported Indian bar and coin demand of 55 tonnes in July–September 2026, down 40% from the same period a year earlier. It said some festival buying shifted into the fourth quarter this year because of the calendar. The council says its October gold exchange-traded fund flows report is forthcoming, with no publication date announced.
