Which will give better returns after 5, 10, 20 years, ₹25,000 monthly SIP or RD?

Monthly SIP investment of ₹25,000 for 5, 10, and 20 years at an expected return of 12% would grow to ₹20.62 lakh, ₹58.08 lakh, and ₹2.49 crore, respectively, NDTV Profit reported. Investing ₹25,000 per month in a Post Office RD at 6.7% would yield ₹17.85 lakh in 5 years, ₹42.8 lakh in 10 years, and ₹1.26 crore in 20 years.