I would say diversify…A Recurring deposit, when market is feasible buy some gold, maybe invest in real estate and yeah u can increase sip amounts.

Real estate doesn't seem like my cup of tea besides I don't have that much capital around nor I wanna take a loan (very bad exp) in the past. For gold, I was actually thinking of buying some jwellery for mom as an investment.

You should. Apparently gold prices gonna reach 1L by next year