Investing advice

Hello... I am new here. I work in the US and I am in India right now visiting parents. I am 27 yrs old, recently I visited my bank and they pitched me some ULIP schemes where I pay 10L for 10 yrs and then after that get a guaranteed payout for 25 yrs. From what I have read on reddit, these schemes are mostly scams as they dont account for inflation.

So I would rather invest in mutual funds or FD or something. But I dont know how the process works. I will be opening my NRE account but I dont know what else do I need to do these investments, the tax implications, additional costs for the investment as NRI.

Looking for some guidance on this. I have recently started my career so a total noob in the topic. Would appreciate any help I can get. Thanks.