Need suggestions on One time investment of 2 lakh

Whatever you decide, please ensure that you do only after approval from parents.

fd is good and secure with 0 risk + easily redeemable ,currently Indand income tax until 40k intrest,indian market is in bubble at least according to me 😬

Try goverment bonds

Purchase NSC from post office.

Small finance bank FD

You can choose to make FD again in any bank offering high interest rates. If parents are senior citizens then they will get higher interest rate as well. Upto 5 Lac is insured by DICGC so it is safe to invest in any small finance bank too.

in 2-3 bonds with 12-13% interest.

SIP + Step Up SIP

1) if you dont have time -> keep it in FD for high liquidity

2) if you have time to monitor -> dabble in MF

3) if you have patience without heartbreak -> juggle into stocks BY YOURSELF (never take tips from anyone, go with learning yourself) BUT KEEP EXTRA MONEY MIGHT NEED ANOTHER 2LAKHS TO AVERAGE IN AFTER 4 YEARS IF STOCK MARKET CRASHES

4) Bonds and P2P you need to keep watching REGULATORY NEWS from RBI regarding Corporates, Banks and NBFC

5) Gold if you are okay with 8% to max 10% CAGR (past record i think)

6) Land you cant find any good land with just 2lakhs, so forget land for now

7) Govt Treasury bills OR Post office schemes max is 8.5% at this point of time

Answer is : PICK ONE OF THE ABOVE BASED ON YOUR RISK APETITE 

Don't invest in products you don't understand...people have no morality..will advise you any products for referrals and commissions

Gold or FD , tats it . 

investment which is secure

let them do FD again please .