LOW RISK-LOW RETURN : Like fixed deposit there is no chance of losing your money. Since it is low risk and low return investment, 5%-10% return will be available and not more than that. But in case of fixed deposit, you have to keep money in such a bank, of course the bank is approved by the government.
This is not meant to be pedantic but any vessel that you put your funds into which offer any degree of interest means you risk losing your funds entirely. Simple storage for your funds will incur a negative rate of return, because they're charging you a storage fee. A fixed despot entails the entity your depositing into to use those funds for investments, and they'll kick back a small level of interest based on those profits. If the institution you're using doesn't profit, you're out of those funds.
And a side note -- if the inflation rate is greater than the interest rate you're pegged at, you've guaranteed yourself a loss of purchasing power and can't withdraw without penalty. Fixed deposits are not as low risk as people think. The risk of losing your funds entirely is low, sure, but they don't necessarily make great investments even with stability safeguards.