Monthly investment of ₹5,000 in SIP at a 12% rate of return will have a total value of around ₹23 lakh after 15 years. Equity SIPs have generally yielded between 10-12% annually on average, NDTV reported. However, the same investment in PPF at the current 7.1% rate of return will have a total value of around ₹15.78 after 15 years.