Bank savings account, fixed deposit or debt fund - the better option?

The savings bank rate and the debt fund rate of return are variable and market-driven

I am 29 years old. I returned to India after ten years after a failed marriage. I did not claim any alimony.  I have saved up Rs 10 lakh. I have rent-free accommodation in my parents' house. But I won't inherit the house due to my siblings. Should I start a business or should I look for a job and invest this amount? I am a hotel management graduate from Australia and want to start a cloud kitchen.
 
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