33 Year old single with almost 90 lacs savings, wants to retire at 45 Home loan pending 65 lacs Mutual funds- invested amount is 9 lacs, current value is 15.75 lacs with an xirr of 23 percent. I have achieved this by starting SIP in 2016 with a minimum of 500 Rs per month to currently 36k per month. I will continue this SIP till 50 Years Stocks - invested amount is 14.5 Lacs current value is 23 Lacs FD - 39 lacs with 7.2 percent of interest. I know it’s a foolish idea to save the money in FD but returns are good and once it’s matured I will invest the same in Mutual funds and enable the SWP after 2 years. Till than it will grow at minimum of 10 percent. The reason of keeping the FD is because I have two separate loans I am managing the emi using the interest received on quarterly baisis for one loan. PPF - 9 lacs I am big fan of compounding but since last 2 years I am unable to add funds here because I know I can earn more than 7.2 percent what they offer if I invest in stocks. Based on above information please advise

Ans: Your Current Financial Situation
Let’s review your current situation. You have a diverse portfolio with SIPs, mutual funds, stocks, FDs, and more.

Investments
Mutual Fund Corpus: Rs 28 lakhs
Monthly SIPs: Rs 42,500
Provident Fund: Rs 11.5 lakhs
NPS: Rs 11 lakhs
Fixed Deposits: Rs 30 lakhs
Stocks: Rs 6.25 lakhs
PPF: Rs 5 lakhs
HDFC SL ProGrowth Plus: Sum Assured Rs 12 lakhs
Liabilities
Home Loan: Rs 1.2 crores with an EMI of Rs 80,000 per month
Expenses: Rs 20,000 per month
Insurance
Corporate Health Insurance: Only relying on this for health coverage
Investment Strategy Evaluation
You have a robust and diversified investment strategy. Let’s refine it further.

Mutual Funds
You have a wide variety of mutual funds, including equity, ELSS, and international funds.

Active vs. Stopped SIPs
Active SIPs: Quant Active Fund, Axis Midcap Fund, Mirae Asset ELSS, SBI Small Cap, Nippon India US Equity Opp. Fund, DSP ELSS Tax Saver, Mirae Asset Large & Mid Cap, Nippon India Small Cap, Quant Mid Cap, Quant Small Cap, Quant Flexi Cap

Stopped SIPs: Axis Bluechip Fund, Nippon India ELSS Tax Saver, Aditya Birla SL ELSS Tax Saver

Recommendations for Mutual Funds
Consolidation: Reduce the number of funds. This simplifies management and avoids overlap.

Focus on Performance: Keep funds with consistent performance.

Direct vs. Regular Funds
Disadvantages of Direct Funds: Lack professional guidance. Regular funds offer better management through a Certified Financial Planner (CFP).
Additional Investment Suggestions
Debt Instruments
PPF and NPS: Continue contributions. They offer stability and tax benefits.
Stocks and Smallcases
Stock Investments: Keep investing quarterly. Diversify across sectors for balanced growth.
Fixed Deposits
Emergency Fund: Maintain Rs 30 lakhs in FDs. Ensure easy access for emergencies.
Insurance Needs
Health Insurance
Individual Health Insurance: Get a separate health insurance plan. Corporate plans may not be sufficient.
Term Insurance
Life Cover: Get a term insurance plan for adequate life cover. This secures your family’s future.
Loan Management
Home Loan
Prepayment: Consider prepaying the home loan with surplus funds. This reduces interest burden and tenure.
Child’s Education and Marriage Planning
Systematic Investments
SIPs for Education: Start SIPs dedicated to your future child's education. Aim for growth-oriented funds.

Marriage Fund: Similarly, allocate funds for marriage expenses.

Sukanya Samriddhi Yojana
For Girl Child: If you have a girl child, consider investing in Sukanya Samriddhi Yojana for her future.
Retirement Planning
Retirement Corpus
Target: Aim for a retirement corpus of Rs 10 crores by age 45-48.
Strategy
Increase SIPs Annually: Increase your SIPs by 15% every year. This leverages compounding effectively.

Balanced Portfolio: Maintain a balanced portfolio with equity, debt, and other instruments.

Professional Management
Certified Financial Planner: Work with a CFP for personalized advice. They help manage and optimize your investments.
Final Insights
You have a strong investment base. Simplify your mutual fund portfolio and focus on high-performing funds. Get adequate health and life insurance. Prepay your home loan to reduce the burden. Plan systematically for your child's education and marriage. Work with a Certified Financial Planner to achieve your retirement goal of Rs 10 crores.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Your planned retirement investment strategy has a clear focus on security and stability. You aim for sustainable income with an eye on fulfilling goals like your daughter's marriage, vacations, and car replacement. Let’s evaluate each component to ensure long-term financial health.

1. Investment in MF-SWP: 40 Lakh for Monthly Income
You have proposed to invest Rs 40 lakh in Mutual Fund SWP across debt, conservative hybrid, and balanced advantage funds. Your goal is to start withdrawing Rs 20,000 per month after two years with a 6% annual increase.

Appreciation:

A Systematic Withdrawal Plan (SWP) allows flexibility.
The annual increase helps counter inflation.
Suggestions:

Starting withdrawals after two years can protect your corpus during market volatility.

However, withdrawing 6% may be high over the long run, especially with inflation. A more conservative withdrawal rate of 4-5% could offer more sustainability.

Focus on active funds with a conservative approach. Actively managed funds can potentially outperform index funds over time due to active risk management, especially in volatile markets. Index funds, by nature, may underperform during market corrections, which could erode your capital faster.

Regular funds (via a mutual fund distributor with a certified financial planner) offer professional guidance and monitoring, which is crucial, especially as markets fluctuate. Direct funds lack the advisory element and may lead to inappropriate fund selection.

Final Thoughts on MF-SWP:

Your plan is solid but consider reducing the withdrawal percentage slightly. Ensure you have a Certified Financial Planner review the fund's performance regularly to make adjustments as needed.

2. Investment in SCSS: 30 Lakh
Investing Rs 30 lakh in Senior Citizens Savings Scheme (SCSS) with a monthly return of Rs 20,500 is a stable option.

Appreciation:

SCSS is an excellent choice for a retiree. It provides fixed returns, capital protection, and regular income.
Suggestions:

SCSS is a very safe investment and should remain a core part of your plan. Ensure you renew it after five years for continuous income.

Given that SCSS interest rates are subject to government policy, review the scheme periodically. If rates decline, consider shifting a portion to other fixed-income products with better returns.

Final Thoughts on SCSS:

SCSS is reliable and essential for balancing your portfolio’s risk. Keep a check on interest rate changes and plan renewals accordingly.

3. LIC VPBY: 6.4 Lakh
Your investment in LIC’s Varishtha Pension Bima Yojana (VPBY) offers Rs 5,000 per month.

Appreciation:

VPBY offers a steady monthly income and is backed by the government, making it low-risk.
Suggestions:

This product offers financial security but returns are fixed. As it’s a long-term commitment, ensure that the payout will meet your needs even with inflation.

Evaluate if the returns from VPBY alone will support your rising expenses over the years. Inflation will erode the real value of this fixed income.

Final Thoughts on LIC VPBY:

It's a low-risk, guaranteed income option. However, ensure it remains part of a diversified income strategy to combat inflation.

4. Balance 10 Lakh in MF Lumpsum: Adopt 50-50 Approach
You propose to invest Rs 10 lakh in a 50-50 approach, with a six-year horizon.

Appreciation:

The 50-50 strategy, which likely refers to splitting between equity and debt, is a balanced approach.
Suggestions:

For the equity portion, focus on actively managed funds. This will allow for potentially higher returns compared to index funds, especially if the market faces fluctuations.

For debt, choose high-quality funds with a strong track record. Conservative hybrid funds or debt mutual funds can offer stability while growing your capital over time.

After six years, review your strategy and reinvest intelligently. Consider keeping a portion in hybrid funds or SWP to ensure you have regular income without depleting the corpus entirely.

Final Thoughts on 50-50 Strategy:

This strategy is sound. However, actively managed funds should be a part of it for optimal performance. Stay vigilant and re-evaluate after six years.

Current Investments and Monthly Income
You currently have:

Bank FD: Rs 10 lakh, generating Rs 7,000 per month
RBI FRSB: Rs 6 lakh, generating Rs 4,000 per month
LIC Pension Plan: Rs 7.75 lakh, generating Rs 4,000 per month
MF Dividend: Rs 4 lakh, generating Rs 3,000 per month
MF SWP: Rs 45 lakh, generating Rs 30,000 per month
Appreciation:

Your diversified income sources ensure multiple streams of regular cash flow.

The mix of fixed and market-linked returns is well thought out.

Suggestions:

Continue monitoring the performance of your mutual fund dividends and SWP. The market-linked returns may fluctuate, so regular reviews are necessary.

You are generating a total monthly income of Rs 48,000, excluding your proposed new investments. This falls short of your planned Rs 70,000 monthly expense. Therefore, your planned additional investments, especially in MF SWP and SCSS, are crucial to bridge the gap.

Consider keeping Rs 10 lakh in a liquid or ultra-short-term debt fund for emergency expenses. This can provide higher returns than a savings account and still be accessible when needed.

Final Thoughts on Current Investments:

Your current investments are well-balanced, but regular reviews and rebalancing will help maintain their effectiveness over the long term.

Future Goals and Planning
Your future goals include:

Daughter’s Marriage: Rs 20 lakh in 2027/2028
Car Replacement: Rs 5 lakh in 2028
Domestic and Overseas Vacations: Rs 1.5 lakh for domestic trips and Rs 4 lakh for overseas trips every three years until you are 75 years old
Appreciation:

Your future goals are well defined, and your plan to allocate specific amounts for them shows good foresight.
Suggestions:

For your daughter's marriage, continue investing in a combination of debt and equity funds to grow the corpus.

Consider creating a separate fund for vacations and car replacement. These are predictable expenses and can be planned in advance using a mix of short-term and long-term debt instruments to match your time horizons.

Final Thoughts on Future Goals:

Your goal planning is practical. However, allocate separate funds for each goal to avoid dipping into your retirement corpus prematurely.

Assessing Overall Retirement Sustainability
You have planned for a monthly expense of Rs 70,000 plus Rs 10,000 for emergencies. With your proposed and current income sources, your monthly income can meet this comfortably, provided the funds are managed well and the withdrawal rate is sustainable.

Suggestions:

You aim to live off your investments for the next 30 years. Keep a conservative withdrawal rate (4-5%) from your SWP to avoid running out of money too early.

Inflation will impact your living costs. Ensure your portfolio has enough equity exposure to allow for growth and offset the cost of living increases.

Regularly review your investment performance. You may need to adjust your strategy depending on market conditions, particularly when it comes to SWPs and dividends.

Final Thoughts on Retirement Sustainability:

Your plan is generally well-structured, but regular monitoring and slight adjustments can ensure that your retirement years remain financially secure without depleting your resources.

Final Insights
Your retirement investment plan is thoughtful and comprehensive. You have diversified well across different income streams, including fixed-income schemes and market-linked instruments. Keep reviewing your withdrawal rates, inflation impact, and fund performance to ensure long-term sustainability.

Make sure to re-evaluate your strategy periodically, especially every three to five years, to ensure it meets your needs and goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Instagram: https://www.instagram.com/holistic_investment_planners/

Ans: Your current investments reflect thoughtful planning with multiple assets like mutual funds, FDs, annuities, and insurance. You are aiming for a substantial retirement corpus of Rs 30 crores and plan to generate a monthly income of Rs 3-4 lakhs through SWP in six years. Let's evaluate if you’re on track and explore recommendations to enhance your strategy.

1. Evaluating Your Mutual Fund Investments for SWP Needs
Your current SIPs are in flexi-cap, balanced, large-cap, mid-cap, and small-cap funds, which align well with your growth and SWP goals. Here’s how these investments can work towards achieving your objectives:

High-Return Potential in Equity Funds: Over 10 years, your equity-oriented funds (large-cap, mid-cap, small-cap) can provide growth, supporting your monthly withdrawal goals.

Balanced Funds for Stability: Balanced funds add stability to your portfolio, reducing market volatility's impact on withdrawals.

Flexi-Cap Diversification: Flexi-cap funds enhance flexibility, adjusting across large, mid, and small-cap stocks as per market conditions.

2. Systematic Withdrawal Plan (SWP) for Regular Monthly Income
Generating a SWP of Rs 3-4 lakhs after six years is achievable with a focused approach. Here’s a breakdown:

Establish a SWP Strategy: With a strong equity base, an SWP from your mutual funds can generate a monthly income. Reinvesting dividends or interest could further enhance your returns.

Aligning Fund Selection with SWP: Large-cap and balanced funds can be core SWP assets, as they are less volatile and provide stable growth.

Plan for Market Fluctuations: Market fluctuations could impact SWP withdrawals. You may consider moving a portion to debt funds closer to retirement for stability.

3. Increasing Your Kids' SIPs with Long-Term Vision
For your children, a 30-year horizon in mid-cap funds is promising. Increasing their SIPs regularly will amplify the impact of compounding:

Annual SIP Increase: Aim to raise the SIP amount yearly. Gradual increases, even by a few thousand rupees, can yield significant growth over 30 years.

Mid-Cap Growth Potential: Mid-cap funds can provide substantial returns over the long term. Diversifying with large-cap or flexi-cap funds could add stability.

Reinvestment in Tax-Efficient Funds: As your children reach different financial milestones, you can gradually move to tax-efficient funds or low-risk options for stability.

4. Reassessing Fixed Deposits and Annuities for Wealth Maximisation
Currently, a significant portion of your investments is in FDs and an annuity plan. Let’s evaluate the pros and cons of these investments:

Fixed Deposits for Short-Term Stability: FDs are stable but offer limited returns compared to mutual funds. Upon maturity, consider reinvesting in a mix of equity and debt mutual funds for higher growth potential.

Annuity Limitations: Annuity plans provide steady income but typically have lower returns. Since annuity returns are fixed, they may not keep up with inflation over the long term.

Shifting Focus to Equity Mutual Funds: Reinvesting your FD maturity and annuity corpus into mutual funds could help you achieve your Rs 30 crore target faster.

5. Optimising Insurance Plans for Better Returns
Your insurance plans provide tax-free returns, but it’s essential to assess whether they align with your overall goals. Here’s a perspective on your ICICI and Shriram policies:

Limited Growth in Traditional Insurance: Traditional insurance offers tax-free returns but often has limited growth potential.

Consider Surrendering for Higher Growth: If these policies underperform compared to mutual funds, you may consider surrendering them. Reinvesting in mutual funds could yield higher long-term returns.

Insurance for Protection, Not Investment: Moving towards term insurance for coverage and mutual funds for investment may be a more effective approach.

6. Building a Rs 30 Crore Corpus Over the Next 15 Years
Achieving a Rs 30 crore corpus in 15 years will require a strategic blend of high-growth investments. Here’s a suggested approach:

Focus on Equity Funds for Growth: Equity funds, especially mid and small-cap, can accelerate your portfolio growth. Increasing SIPs over time will enhance your corpus.

Reinvest Maturity Proceeds: As your FDs mature, reinvest them into equity and balanced mutual funds to benefit from compounding.

Balance with Debt Funds in Later Years: As you near your goal, gradually move funds to debt mutual funds. This will reduce risk and protect the corpus for withdrawal.

7. Disadvantages of Index Funds and Direct Plans
Although index funds and direct funds are popular, there are better options for your high-growth goals:

Index Funds’ Growth Limitation: Index funds simply track the market and don’t aim for higher returns. Actively managed funds, on the other hand, can outpace the market.

Direct Plans Lack Professional Guidance: With direct plans, there’s no personalised guidance. Investing through a Certified Financial Planner ensures regular monitoring and timely adjustments.

8. Tax Considerations on Mutual Fund Withdrawals
Tax-efficient planning is essential for maximising SWP returns:

Equity Fund Taxation: For equity mutual funds, LTCG over Rs 1.25 lakh is taxed at 12.5%. STCG is taxed at 20%. Plan withdrawals to stay within these limits for minimal tax impact.

Debt Fund Taxation: Debt mutual funds are taxed according to your tax slab. Using a mix of debt and equity can balance returns with lower taxes.

Final Insights
Your diversified portfolio places you on a solid path to a secure retirement and wealth creation. Increasing SIPs for your kids, reinvesting maturing FDs, and focusing on mutual funds over insurance and annuities will strengthen your approach. Working closely with a Certified Financial Planner will keep your investments aligned with your Rs 30 crore goal, ensuring a steady retirement income and lasting legacy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: You’ve done a fantastic job till now.

Your journey from starting a Rs 1000 SIP in 2009 to building Rs 92 lakhs corpus is truly inspiring. Your diversification, discipline, and foresight are evident. Early retirement planning is a serious decision, and you’re rightly considering every angle. Let me help you refine this further.

Your Current Financial Snapshot – A Strong Foundation
Age: 39 years

Profession: Banking

Net Monthly Salary: Rs 1.46 lakhs

Annual Variable Pay: Rs 15 to 25 lakhs

Spouse: Government employee (37 years)

Child: 4 years old son

No loans, no EMIs

Own house already built

Corpus in Mutual Funds: Rs 92 lakhs (Invested Rs 47 lakhs, CAGR ~21%)

SIP: Rs 1 lakh/month (diversified across sectors and themes)

PF: Rs 10 lakhs

Savings: Rs 4 lakhs + Rs 6 lakhs incoming by March

Insurance:

Term cover: Rs 3.5 Cr

Accidental Rider: Rs 2 Cr

Permanent Disability Cover: Rs 1.5 Cr

Health Insurance: Rs 1 Cr

Let us now assess the situation from all angles.

1. SIP Strategy – Very Well Done, But Needs Clean-Up
SIP value growth is exceptional. CAGR of 21% is above average.

However, having 60 different funds is over-diversification.

Why this can hurt you

Over-diversification reduces focused growth.

Too many funds from same categories or overlapping sectors.

Portfolio review becomes difficult.

Tracking and rebalancing get complicated.

What you should do

Reduce to 10 to 12 quality funds.

Select across Flexicap, Midcap, Smallcap, Sectoral (only 1 or 2).

Maintain only one fund per category, per AMC.

Avoid similar theme funds (example: too many Pharma or IT).

Use past performance and portfolio overlap tools for pruning.

Take help from an experienced Mutual Fund Distributor (MFD) with CFP credentials.

2. Continue SIPs, But Divide Between Goals
Right now, all your SIP is growth focused. It’s good. But you also mentioned:

Need corpus for 30 years (Rs 30k SIP for that)

Post-retirement income planning

Suggestion:

Continue Rs 1 lakh SIP.

Dedicate Rs 30k to long-term wealth building (30 years).

Allocate remaining Rs 70k towards medium-term goals (like retirement in 2 years).

Split this further:

Rs 30k SIP → Aggressive (Small + Mid + Multicap funds)

Rs 70k SIP → Balanced Allocation (Dynamic Asset Allocation + Large + Flexicap)

3. Switching to Balanced Fund for SWP – Concept is Good
Your idea is:

Retire in 2 years

Switch equity corpus to Balanced Funds

Start SWP of 5% annually

Increase withdrawal by 5% every 2 years

This plan is good in principle. But let’s fine-tune it.

Things to consider:

In 2 years, market may not be in best position for lump switch

Sudden 100% shift from equity to balanced is risky

Phased rebalancing is safer

Suggested strategy:

Start STP (Systematic Transfer Plan) from equity to Balanced Advantage Fund

Do it monthly over 18-24 months post-retirement

Start SWP after corpus stabilises

Withdraw not more than 5% of corpus annually

Select Balanced Advantage Funds with:

Proven track record of minimum 10% CAGR over last 7-10 years

Low downside risk during market falls

Dynamic rebalancing between equity and debt

Managed by reputed AMCs with experienced fund managers

4. Expenses Planning After Retirement – You’re Conservative, That’s Good
Your monthly expense: Rs 20,000

Child education: Rs 10,000

Total: Rs 30,000

You’re not including many lifestyle expenses. Please also plan for:

Health expenses (out of pocket, not covered in insurance)

Occasional family travel

Gifts, festivals, emergencies

Personal goals like learning, hobbies, charity

Add Rs 10,000 buffer monthly for peace of mind. So aim for Rs 40,000 monthly withdrawal. This equals Rs 4.8 lakhs per year.

With Rs 1.2 crore corpus in balanced fund, SWP of Rs 5% is Rs 6 lakhs/year.
Your plan can work smoothly.

5. Asset Allocation Approach – Keep Dynamic Flexibility
Your equity experience is excellent. But for post-retirement:

Keep 30% in Debt Mutual Funds (Ultra Short Term or Low Duration)

70% in Equity Balanced Advantage Funds (not pure equity)

This mix offers:

Stability

Tax efficiency

Growth and income balance

Review once a year. Rebalance as needed.

6. Fund Selection Approach – Use Professional Support
Avoid direct investing. Here’s why:

Disadvantages of Direct Plans:

No guidance for fund selection

No support during market volatility

No review or rebalancing help

You may exit or shift at wrong time

Returns can suffer from wrong decisions

Benefits of Regular Plans via MFD + CFP:

Helps you design goal-based investing

Gives behavioural coaching during ups/downs

Monitors performance and overlap

Suggests tactical shifts when needed

Protects your corpus long-term

7. Avoid Index Funds – Not Suitable for Your Needs
You have mentioned only actively managed funds. That’s excellent.

Why index funds are not suitable for you:

They cannot outperform market

In volatile or sideways markets, they underperform active funds

No downside protection strategy

Not suitable for retirement planning where preservation matters

Sector weight gets skewed during bull runs

Active Funds are better as you already experienced with 21% CAGR. Continue the same route.

8. Taxation Aspects – Plan Before Withdrawals
Please remember latest mutual fund taxation:

Equity funds: LTCG above Rs 1.25 lakh taxed at 12.5%

Debt funds: LTCG and STCG taxed as per your income slab

SWP = considered as redemption

Taxes apply only on gains portion in each SWP

To minimise tax impact:

Use Grandfathered NAV tracking

Use withdrawal from funds with lowest gains first

Hold each fund minimum 1 year before SWP

Use hybrid funds to delay taxation

Let your MFD with CFP handle this tactically.

9. Emergency Fund Planning
You are planning to wipe out savings in 2 years. That’s risky.

Suggestion:

Keep Rs 5 to 6 lakhs as Emergency Fund

Park in Liquid Mutual Fund

Withdraw only for urgent use

Keep it separate from SIP and retirement portfolio

10. Life & Health Insurance – Very Good Coverage
Your current insurance cover is robust. Some notes:

Rs 3.5 Cr term cover till age 80 is excellent

Accidental and disability riders give strong protection

Rs 1 Cr Mediclaim is also strong for family of 3

Ensure that it is Floater plan and includes room rent flexibility

Review health policy yearly for sub-limits and coverage

11. Additional Tips for Early Retirement
Maintain a journal of expenses now. Helps in real budgeting.

Include inflation while estimating long-term costs.

Track all funds’ performance quarterly.

Stick to asset allocation discipline always.

Don’t chase latest NFOs or sector funds post-retirement.

Avoid investing based on market noise or news.

Continue personal SIPs even after retirement, if possible from alternate income.

Teach your wife about basics of portfolio, SWP, nominee, login access.

Make a Will covering all investments.

Finally
You have built a solid foundation. Your plan is logical and achievable.

Only correction needed:

Trim your MF portfolio from 60 funds to a focused 10–12

Start transition to balanced allocation after 2 years

Avoid direct plans – use help of MFD with CFP qualification

Don’t wipe savings fully – maintain emergency corpus

Start child education goal SIPs separately

Your commitment and planning is very inspiring. If implemented well, your dream of early retirement with dignity and freedom is very much possible.

Keep your goals clear. Stick to discipline. Review annually.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Hi,

Good that you have invested in various diversified assets at such age. Your dedication shows the sincerity you have towards your goals. Let us have a look at your financials:

1. FD - 25 lakhs. You should keep maximum 10 lakhs in FD as your emergency and other unforeseen expense. Move the remaining amount in multicap funds.
2. Have a dedicated term and health insurance for yourself and family.
3. Your contribution to PPF is not required. Instead redirect it to Balanced Advantage Fund as PPF is locked for 15 years and provide only 7% where as BAF gives 10-11% and is not locked. Contribute minimum amount in PPF to keep it active.
4. Continue with NPS investments.
5. Currently there are no responsibilites but in future, you might get married. Hence you should also be prepared for other major expenses such as your marriage, future family and life post marriage.
6. Currently your expenses - 30k. Factor in future - maximum 60k. You can save and invest the rest amount wholly in equity mutual funds.
7. Current 25.5k monthly inflow in your retirement corpus.
8. Start another SIP of 30k per month for down payment of your house after 4-5 years. It will help with less burden and you not liquidating your other investments.
9. Save the remaining amount from salary for your marriage or other expenses in hybrid funds.

The funds you are investing in currently are very overdiversified and overlapped. Entire scheme selection needs to be worked upon thoroughly.
Although direct mutual funds are quite famous due to their less expense ratio, but maximum times a direct portfolio underperformsto a major expense. That is why a guided portfolio with regular funds in much needed. It is important for you to work with a professional for their expert guidance as it will help in the periodic review of portfolio and any change whenever required.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/