Returns depend upon the amount of risk you are willing to take, as higher return investment has high risk of losing money too.
Savings and investments are two different things. Saving account should only be used for receiving payments and making payments.
There are many ways to earn return more than saving deposits: Mutual fund debt plan, Equity plan, bank fixed deposit, etc.
It depends on how soon you would want the money when required. If its short term, then best is to invest in any Short-Term Debt fund of a Mutual Fund scheme.
If for longer periods, say up to 1 year, best is to invest in any reputed Balanced Mutual fund scheme like HDFC Prudence fund for example.
The investments give us better returns depending on their time horizon. So, planning for future and investing for future goals should always be done that passive deposits in savings bank accounts.
Assuming you have no debt to pay off, I’d invest it in the stock market and more specifically the entire market. You can buy US stock market by buying a mutual fund
Many thanks for all your advices!