Can some one please suggest me some low risk investment, preferably short term (6-12months).?

Short-term investment option

Savings bank account
This investment option is used only for short-term (less than 30 days) surpluses. This investment option is often the first option people use for investment. , savings accounts offer low interest (3.5%-4% p.a.), making them only marginally better than safe deposit lockers.

Money market funds
This investment option offer better returns than savings account without compromising liquidity. Money market funds are a specialized form of mutual funds that invest in extremely short-term fixed income instruments. Unlike most mutual funds, money market funds are primarily oriented towards protecting your capital and then, aim to maximize returns. Money market funds usually yield better returns than savings accounts, but lower than bank fixed deposits. With the flexibility to issue cheques from a money market fund account now available, explore this investment option before putting your money in a savings account.

Bank fixed deposits
This investment option is for investors with low risk appetite, best for 6-12 months investment period. Also referred to as term deposits, this product would be offered by all banks. Minimum investment period for bank FDs is 30 days. This investment options shall be ideally used to the period of 6 to 12 months. Normally interest on bank less than 6 months bank FDs is likely to be lower than money market fund returns. It is important to plan your investment time frame while investing in this instrument because early withdrawals typically carry a penalty

Debt Linked Mutual Funds
Use debt linked mutual funds as a vehicle to invest in high yield debt schemes. Have you ever made an investment in partnership with someone else? Well, mutual funds work on more or less the same principles. Investors pool together their money to buy stocks, bonds, or any other investments.
This investment option allows an investor to -
1. Avail the services of a professional money manager (who manages the mutual fund)
2. Access a diversified portfolio despite making a limited investment

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