I am 47 years old. I have 8 MF ongoing SIPs, which started 3-5 years before, kindly review and advise details as below. further in addition to this if i want to invest lump-sum amount may be 2 Lakhs, which better option you suggest.

1. SBI Focused Equity Fund Reg Growth: Rs 1000.00
2. SBI Blue Chip Fund Reg Plan-G: Rs 1000.00
3. SBI BFS Fund- Reg Plan Growth: Rs 1000
4. Aditya Birla SL Frontline Equity Fund(G): Rs 2000.00
5. Franklin India Prima Fund(G): Rs 2000.00
6. Aditya Birla SL Dynamic Bond Fund-Reg(G): Rs 1000.00
7. Franklin India Bluechip Fund(G): Rs 2000.00 
8. HDFC Hybrid Equity Fund(G): Rs 2000.00

Ans: Please continue with the active ones

Ans: The funds in the portfolio are good, please continue and review after an year

Fresh investment: stagger your investments in 12 to 18 months either through SIP or STP for averaging out the investments at different market levels, i.e., at NAV instead of lumpsum investment at one go.

Ans:

Ans: For you to get to 2crs in 7yrs, assuming 12% xirr, your sip amount needs to be Rs1.5L
Generally i avoid flexi cap funds, instead you can go for the following categories for your sip:
Small cap
Mid cap
Large and mid
Thematic - Consumption
Multicap
Focused

For Lumpsum you can select the same funds where you are having your sip's and the STP can be 15-20 weeks starting today.

Please note that these suggestions are based on your stated goals and the information you provided. It is always a good idea to consult with a financial advisor in person to better understand your risk tolerance, time horizon, and specific financial goals.

Ans: At 50, your portfolio should balance moderate growth with capital protection, because you are likely approaching retirement in 8–10 years.
Your current SIP pattern shows good diversification — equity, gold, multi-asset — but a bit of overlap and small-cap overweight.
Suggested Action Plan

Streamline portfolio (reduce duplication)

Stop: Bandhan Small Cap Fund

Stop: SBI Gold Fund

Keep: Quant Small Cap + ICICI Pru Gold

New SIP additions / adjustments

Add: ICICI Balanced Advantage Fund (?2,000–3,000/month) — auto-balancing hybrid fund, low volatility.

Add: HDFC Flexi Cap Fund (?2,000/month) for steady large-cap growth.

Approx. new allocation (after trimming)

Large/Flexi Cap: 40% (Parag Parikh, HDFC Flexi, Index Fund)

Mid Cap: 15%

Small Cap: 10%

Hybrid/Multi-Asset: 25%

Gold: 10%

This mix balances growth and protection — ideal for your stage.

???? Additional Suggestions

Stay invested till 58–60 for full compounding benefits.

Once you reach 55+, start gradually moving 20–25% into short-duration debt funds or conservative hybrids.

Avoid more than 2 small-cap or thematic funds; volatility can hurt nearing retirement.

Always review performance yearly; trim underperformers.

???? Final Note

You are on the right track — diversified, disciplined, and consistent.
Just simplify, reduce overlap, and add stability via hybrid or balanced advantage funds.
Disclaimer / Guidance:
The above analysis is generic in nature and based on limited data shared. For accurate projections — including inflation, tax implications, pension structure, and education cost escalation — it is strongly advised to consult a qualified QPFP/CFP or Mutual Fund Distributor (MFD). They can help prepare a comprehensive retirement and goal-based cash flow plan tailored to your unique situation.
Financial planning is not only about returns; it’s about ensuring peace of mind and aligning your money with life goals. A professional planner can help you design a safe, efficient, and realistic roadmap toward your ideal retirement.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai