Three years is too short a timeframe for equity investments to blossom into a good kitty. If you need to definitely withdraw after three years, then it makes sense to invest in one of the two options:
- If you have a higher risk appetite, consider equity oriented Balanced Funds. These invest in both equity and debt funds and try to balance the returns.
- If you have lower risk appetite, then park the money in Debt Funds, Liquid funds to be specific.