Which bank give 12% interest?

Currently banks are not giving 12% interest rates on FD.. Instead if you are an employer you can put your money in Infra Bonds or PPF accounts (can be opened in post offices) to get some 8% interest which when added with tax benefit will give you a good return .. But if you are a student its better to invest in stock market or mutual funds for a very good return. If you don have idea on stock market invest in mutual funds which will give good returns in long term.