After 30 months, I expect a financial requirement of Rs. 6 lakhs. At the most, I can save Rs. 18,000 per month. With that level of saving, I will be able to accumulate Rs. 5, 40,000 in 30 months. But I will still fall short of Rs. 60,000. Please suggest me a way by which I can make the available amount equal to the required amount. I am not in favour of taking risk and investing in equity and mutual funds.