Vikram Singh Rathore earns Rs. 4,80,000 per year and spends Rs. 1,14,000 on expenses, leaving Rs. 3,66,000 in savings. He is considering investing these savings in mutual funds, stocks, and fixed deposits. Investing Rs. 1,00,000 in an ICICI mutual fund for 3 years would yield a 19.55% return of Rs. 58,650, while investing Rs. 1,00,000 in a fixed deposit for 3 years at UBI would yield a 9.5% return of Rs. 28,500. The total projected profit from these investments is Rs. 98,265.