As per NDTV Profit, to build a corpus of ₹1 crore a person should invest ₹20,000/month in mutual funds for 12 years, which will generate over ₹64 lakh (12% annual returns). A ₹10,000/month investment in gold for 12 years will generate over ₹27 lakh (10% annual returns), while investing ₹5,000/month in PPF for 15 years will generate over ₹16 lakh.