A monthly investment of ₹5,000 in gold at a 10% rate of return will have a total value of ₹20.89 lakh after 15 years. Investors usually expect a rate of return of 10% for gold, NDTV reported. However, a ₹5,000 monthly SIP at 12% rate of return will have a total value of about ₹25.23 lakh after 15 years.