How to invest Rs 10 lakh for next 1, 3 or 5 years for higher return and in most tax-efficient way?

Investing Rs 10 lakh requires a smart approach. Experts guide on optimal investment mixes for one, three, and five-year goals. For short terms, focus on safety with fixed income. Longer horizons allow for growth through equity and hybrid funds. Tax efficiency is key, with strategies to minimise your tax outgo. Plan your investments wisely for better returns.