The monthly investment of ₹5,000 in SIP for 15 years at an expected 12% rate of return will yield a return of ₹25.22 lakh at maturity, NDTV Profit reported. Meanwhile, investing ₹60,000 every year in FDs at 7% can grow to about ₹15.88 lakh in 15 years through compound interest. Figures show that a ₹5,000 monthly SIP gives better returns.