If a person invests ₹1.25 lakh in mutual funds for 15 years, they can get a total value of ₹6,84,195 at assumed 12% annual return, NDTV Profit reported. Investing ₹1.25 lakh in gold for 15 years can return ₹5,22,156 total value at an expected 10% annual return. An FD will return ₹3,53,977 total value at expected annual return of 7%.