Suggest A Fairness Cream Which Has No Side Effects

Hi doctor m 19 m a colg student in bangalore past 10 months i was using panderm cream but wen i came to knw dat it has side effects i wan to stop dat cream but doctor plz suggest any fairness creamwid no side effects for longterm usage for fair complexion tq sir n for hair can i use keshvardhini oil it will not make my hair grey is dis oil safe to use for hair.