An investment of ₹5 lakh will turn into ₹6.05 lakh after three years in an FD at 6.45% per annum, as per NDTV Profit. If a person makes a lump sum investment of ₹5 lakh in mutual funds, the maturity amount is expected to rise to around ₹7.02 lakh over three years at annual growth rate of 12% per annum.