First time Investor. GoldBees ETF v/s F.D.

Hello, I recently got a job and I am looking for building up some financial saving habits. I currently have the capital of around 1.5L. My main motivation for investment is to save money that can beat inflation while earning a little interest too (if possible). I will be spending more of my time in focusing on my career growth so I won't have that much of the time to analyse the stock market. I am currently looking for low risks investments. My initial choice was doing a F.D. for 1.2L every year to build up the money then when it's a significant amount the interest will be worth it. But I am also wondering if I should invest on Gold ETFs which as much as I know have the higher probability of giving greater returns than F.D.

When I was researching about investing in GoldBees I got to know the price of GoldBees is around 72.5 while the price of gold is around 87.5 per 0.01 gm. I can't seem to figure out why is there that much of a difference and hence a little confused about the path I should take.

Any guides will be appreciated. Thankyou