To save 50% of a monthly income of ₹30,000, which amounts to ₹15,000 per month, it is crucial to choose investment options that align with financial goals, risk appetite, and investment horizon. Here are some investment avenues that one might consider based on the information provided:

1. Fixed Deposits (FDs):

   • Secure and guaranteed returns.
   • Lock-in period varies, ensuring funds are set aside and accumulate interest.
   • Suitable for a conservative risk profile with options to receive interest payouts at regular intervals.

2. Recurring Deposits (RDs):

   • Allows you to deposit a fixed amount monthly.
   • Fixed interest rate, providing stability and predictability to your savings.

3. Post Office Monthly Income Scheme (POMIS):

   • Government-backed and low-risk.
   • Provides a fixed monthly income.

4. Systematic Investment Plans (SIP) in Mutual Funds:

   • Allows investment in mutual funds in a disciplined manner.
   • Wide range of options from equity to debt to hybrid funds, depending on risk tolerance.
   • Potential for higher returns over the long term compared to traditional saving instruments.

5. Public Provident Fund (PPF):

   • Long-term investment with tax benefits under Section 80C of the Income Tax Act.
   • Interest earned and principal are both tax-free upon maturity.

6. Equity-Linked Savings Schemes (ELSS):

   • Mutual funds with the dual benefits of capital appreciation and tax savings.
   • Comes with a lock-in period of 3 years.

7. National Pension System (NPS):

   • Aimed at retirement savings with a mix of equity, fixed deposits, corporate bonds, liquid funds, and government funds.

8. Sukanya Samriddhi Yojana (SSY):

   • If you have a daughter and aim to save for her education and marriage, this scheme provides tax benefits and has a higher interest rate than PPF.

9. Debt Mutual Funds:

   • Provide regular income through investment in fixed-income securities.

10. Corporate Fixed Deposits or Bonds:

    • Generally offer higher interest rates than bank FDs but come with slightly higher risk.

Choosing the best investment plan would depend on your financial goals, liquidity needs, investment horizon, and risk tolerance. It's also beneficial to maintain a diversified portfolio to mitigate risk. Before investing, it's recommended to consult with a financial advisor to tailor your investment choice to your specific needs and the current economic environment.

Based on the information provided, here are some of the best-performing SBI mutual funds to consider for a SIP (Systematic Investment Plan) of ₹10,000 per month through the YONO SBI app:

1. SBI Small Cap Fund Direct-Growth

   • Type: Small Cap Equity Fund
   • Return: 26.79%

2. SBI Magnum Mid Cap Direct Plan-Growth

   • Type: Mid Cap Equity Fund
   • Return: 20.29%

3. SBI Infrastructure Fund Direct-Growth

   • Type: Sectoral/Thematic Equity Fund
   • Return: 27.68%

4. SBI Bluechip Fund

   • Type: Large Cap Equity Fund
   • Return: Around 23.2%

5. SBI Magnum Tax Gain Fund

   • Type: ELSS (Equity Linked Savings Scheme)

6. SBI Magnum COMMA Fund

   • Type: Sectoral/Thematic Equity Fund

7. SBI Consumption Opportunities Fund

   • Type: Sectoral/Thematic Equity Fund

The returns mentioned are historical and do not guarantee future results. Since investment decisions should be based on individual financial goals, risk tolerance, and investment horizon, it is recommended to consult a financial advisor before making any investments.

Step by Step Procedure to Invest through YONO SBI App:

1. Download the App and Log in:

   • If you haven’t already, download the YONO SBI app from the App Store or Google Play.
   • Log in using your SBI net banking credentials or register if you are a new user.

2. Navigate to Investments:

   • Locate and click on the 'Investments' section within the app.

3. Select Mutual Funds:

   • In the Investments section, select ‘Mutual Funds’ to proceed.

4. Mutual Fund Dashboard:

   • The mutual fund dashboard will open, where you can explore the various fund options available.

5. Choose the Fund:

   • Choose the mutual fund scheme that you wish to invest in from the list of available SBI Mutual Fund schemes.

6. Choose Investment Type:

   • Select ‘SIP’ (Systematic Investment Plan) as your investment type to start a regular monthly investment.

7. Enter SIP Details:

   • Enter the amount (₹10,000) and select the frequency (monthly) for the SIP.

8. Bank Details and Auto-Debit:

   • Provide bank account details from which the SIP amount will be auto-debited each month.
   • You might have to set up an auto-debit mandate which authorizes SBI Mutual Fund to deduct the SIP amount automatically.

9. Confirm and Invest:

   • Review all provided details.
   • Confirm and proceed to invest.

10. Completion:

    • Once the transaction is successful, you will receive a confirmation regarding your investment details.

Remember:

• Before starting SIP in any mutual fund, ensure that you read and understand all scheme related documents.
• Know the exit load and the expense ratio of the fund as these will affect your returns.
• The KYC (Know Your Customer) process needs to be completed before you can start investing in mutual funds.

The specific details such as the returns rate and step-by-step instruction can be subject to changes over time, and it is a good practice to check the latest details on the official YONO app or SBI Mutual Fund website.