How to invest Rs 4,00,000/-

#1
Hi Friends

Few days back I have redeemed my 2 years old 2 MFs started through SIP.
1. Reliance Diversified Power Fund-Growth
2. ICICI Prudential Infrastructure Fund-Growth

From the redeemed amount and few from my savings, now I have accumulated 4 lakh INR. So, want to know from experts/gurus, How to optimally invest this amount with higher gain than bank FDs. Having said that, please do not suggest any ULIP or ELSS Funds as I have sufficient term insurance and already full 80C.

From last month I have also started 3 MFs through SIP.
1. HDFC Top 200-Growth (5K)
2. Sundaram BNP Select MidCap Fund-Growth (3K)
3. IDFC Premier Equity - Plan A -Growth (3K)

Looking for your valuable advice.
Thank you in adv.
 

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