Thanks so much. Very informative and helpful reply
I want to start investing which is the best option?
Answer 
SIP (systematic investment plan) are the best at beginner level. It's safe and involve relatively less commitment of funds
Your investments are based on your objectives, age, and risk-appetite. Taking age first, investment in equity is inversely related. For example, senior citizens should not invest more than 40% of their savings and balance should be in bank fixed deposits. As for objectives, are you aiming for retirement corpus? Or do you foresee big expenditure, say education or marriage of children?
As for risk-appetite, if you are totally risk averse, best option is bank fixed deposits. But, the yield after rate of inflation may be just 2% or even negative.
If are prepared to take risk, a portion of your savings can be in equity which may give an yield of 15% in the long term. In equity, you have to be very selective. If ypu do not know much about equity, but at the same time anxious to get higher returns, take mutual funds route.