Market experts say that if you have Rs 1 lakh to invest right now, silver could be a compelling option. Silver prices are touching record highs and have been on a steady upward climb since late 2025. While many had expected prices to cool off in 2026, the rally has continued. In contrast, gold prices have remained volatile. This article takes a closer look at whether silver is worth investing in now — and when the timing might be right.
Let’s break it down with a simple comparison. Just six months ago, in July 2025, silver was priced at around Rs 1,15,000 per kilogram. At the time, silver barely caught investors’ attention. However, once prices surged past the Rs 1 lakh mark, interest grew rapidly. Investors began tracking silver closely and debating the right moment to enter the market.
Today, silver is trading at approximately Rs 3,10,000 per kilogram — a sharp rise from six months ago. This translates to an increase of nearly 170%. If someone had invested Rs 1 lakh in silver back then, that investment would now be worth about Rs 2,69,565. According to experts, such returns are unheard of in banks, and even gold and equity markets have not delivered gains of this scale recently. This is why silver is emerging as a preferred investment choice for many.
Experts believe silver prices could peak in January 2026. This month alone, prices have jumped by over 25%. If this momentum continues through the month, an investment of Rs 1 lakh on January 1 could grow to Rs 1,25,000 by January 31. This kind of return is far from ordinary. By comparison, a fixed deposit of Rs 1 lakh in a bank typically yields only around Rs 6,000 in annual interest. With banks also increasing charges, many investors are turning to silver instead.
Strong inflows into silver ETFs are further driving prices higher. Industrial demand is also surging, alongside rising retail investment. Globally, countries are accelerating their shift towards green energy — solar power, wind energy, and electric vehicles — all of which rely heavily on silver. Solar panels, in particular, require significant quantities of the metal. With demand rising faster than supply, silver prices continue to climb.
So where could silver prices head by December this year? Currently priced at around Rs 3,10,000 per kilogram, experts estimate silver could rise to between Rs 3,80,000 and Rs 4,20,000 by December — an increase of roughly 35 percent. Some projections go even further. If silver were to repeat its 170 percent surge from the past six months, prices could climb as high as Rs 8,37,000 per kilogram by year-end.
What does this mean for a Rs 1 lakh investment made today? If silver prices rise by an estimated 35%, the investment could grow to around Rs 1,35,500 by December 31. If prices were to surge by 170%, that same Rs 1 lakh could potentially become Rs 2,70,000. This strong upside potential is what’s drawing investors to silver. However, it’s important to remember that these are projections, not guarantees. Market conditions can change, losses are possible, and global economic uncertainties remain unpredictable.
Disclaimer: The views and investment tips by experts in this News18.com report are their own and not those of the website or its management. Users are advised to check with certified experts before taking any investment decisions.