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FINANCIAL PLANNING

Hi,
i am samar, working in Automobile Pvt. Sector from last 12yrs. n till time there is no any investement frm me, i am 32 yrs old having child of 2.5yrs. wife,mother N father are the dependands, i have monthly salary 53000.having Houseloan -11,00000lacs for 15 yrs. from last 6months. with EMI 12166.
Personal loan – 2,50000Lacs from last 4 months with EMI 9061 .
Having 3,00000 Lacs gold loan frm pvt. firm.
only one ulip from Bajaj allianze having Sum Asured amt 1,50000 in 2021.
so pls. suggest me how i have proceed for invesment which will give me more return in less time.
Pls. give me a plan for invesment in PPF,MF,LIC……..

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