Hello senior members i am having around 2 lacs saved out of my salary and is in bank now instead of keeping a high amount of money in bank i am looking for some investment options, i am not at all aware of stock market etc etc things, and really dont believe people earning crores from stock market, in short neither do i have time to research on stock market, hence my options are :

same old FD in Bank (FD of Rs.50000 each)

buying and holding silver , gold and selling them again ,( but it requires contacts, )

Mutual Funds,,(SIPs)

Kindly do advise me the split up and some idea, on how to go with the investment, i dont expect huge returns but safe and stable returns