Please provide your guidance to consolidate my portfolio to achieve goal of retirement corpus of Rs 2 cr.

I am currently investing a SIP of Rs 64,000 per month in the following funds from June 2020. My age is 46 years. I plan to work for another 9 years.

1. Axis Bluechip Direct G	Rs 3,000
2. Axis Focused 25 Direct Growth	Rs 3,000
3. Axis Midcap Direct G	Rs 2,000
4. AXIS Small Cap Direct fund G	Rs 2,000
5. HDFC Gold Fund Direct Growth	Rs 5,000
6. ICICI Pru Discovery Direct Growth	Rs 5,000
7. ICICI Pru US Bluchip Direct Growth	Rs 5,000
8. Kotak Emerging Equity Direct Growth	Rs 3,000
9. Kotak Flexicap Direct Growth	Rs 3,000
10. Kotak NASDAQ 100 FOF Direct G	Rs 3,000
11. Kotak Small Cap Direct Growth	Rs 2,000
12. L&T Hybrid Equity Direct Growth	Rs 3,000
13. L&T MidCap Fund Direct Growth	Rs 2,000
14. L&T Nifty Next 50 Index Fund Direct G	Rs 5,000
15. L&T Value Fund Direct Growth	Rs 3,000
16. Mirae Asset Emerging Bluechip Direct G	Rs 2,500
17. Mirae Asset Large Cap Direct G	Rs 2,500
18. SBI Equity Hybrid Regular Growth	Rs 5,000
19. SBI Focused Direct Plan	Rs 3,000
20 SBI Multi Asset Fund Direct Growth	Rs 2,000

I started investing in mutual fund back in 2006 with very small SIP amounts and I am 41 now. Currently, I have a MF corpus of approx 30 lakh, with SIP investments in following schemes, though i myself feel i have invested in multiple fund houses or similar portfolios and need your help or guidance with consolidation and then keep a target of 2.5 to 3 crore in next 15 years through Mutual fund only. Currently I am investing 32500 per month through SIPs only. Sr No Fund Name Start Date Amount 1 HDFC Top 100 Fund Growth 20-Sep-06 1000 2 HDFC Top 100 Fund Growth 05-Dec-13 1000 3 SBI BlueChip Fund Regular Growth 25-Apr-16 1000 4 ICICI Prudential Value Discovery Fund Growth 22-Jul-16 1000 5 Kotak Flexicap Fund Growth 23-Aug-17 1000 6 IDBI India Top 100 Equity Regular Fund Growth 05-Jan-18 1000 7 L&T Hybrid Equity Fund Growth 06-Dec-18 1000 8 L&T Hybrid Equity Fund Growth 07-Jan-19 1000 9 Indiabulls Equity Hybrid Fund Regular Growth 12-Mar-19 1000 10 HDFC Mid-Cap Opportunities Regular Fund Growth 01-Jul-19 1500 11 SBI Magnum MidCap Regular Fund Growth 01-Jul-19 1000 12 ICICI Prudential Bluechip Direct Fund Growth 01-Jul-19 1000 13 HDFC Top 100 Fund Growth 27-Oct-19 1000 14 HDFC Hybrid Equity Fund Growth 27-Oct-19 1000 15 Axis Midcap Fund Direct Plan Growth 16-Dec-20 1000 16 Canara Robeco Equity Hybrid Fund Direct Plan Growth 17-Dec-20 1000 17 SBI Magnum Global Fund Direct Growth 17-Apr-21 1000 18 HDFC Flexi Cap Fund Direct Plan-Growth 17-Apr-21 1000 19 Motilal Oswal Focused 25 Direct Growth 17-Apr-21 1000 20 HDFC Flexi Cap Fund -Direct Plan - Growth Option 17-Apr-21 1000 21 SBI Flexicap Fund Direct Growth 17-Apr-21 1000 22 Motilal Oswal Flexi Cap Fund Direct Plan Growth 24-Jun-21 1000 23 Tata Quant Fund Direct Fund 30-Jun-21 500 24 Aditya Birla Sun Life India Gennext Fund Direct Plan Growth 01-Jul-21 1000 25 ICICI Prudential FlexiCap Fund Direct Growth 05-Jul-21 500 26 Mirae Asset Large Cap Fund Direct Plan Growth 01-Sep-21 1000 27 IDFC Corporate Bond Fund Direct Plan Growth 22-Sep-21 1000 28 ICICI Prudential NASDAQ 100 Index Fund Direct 27-Oct-21 1000 29 HDFC Corporate Bond Fund -Direct Plan - Growth Option 09-Dec-21 1000 30 Aditya Birla Sun Life Corporate Bond Fund Direct Plan Growth 09-Dec-21 1000 31 TATA Digital India Fund Direct Growth 25-Dec-21 1000 32 Parag Parikh Flexi Cap Direct Growth 25-Dec-21 1000 33 Kotak Gilt-Investment Fund Provident Fund and Trust-Growth Direct 28-Dec-21 1000

Below is my MF portfolio. I am planning to invest for the next 13-15 years for retirement and as well as my son's higher education who is 4.5 years old. I am 36 years old. Please let me know if I can consolidate my investments. Apart from this I have investments in PPF, NPS as well. Fund Name Category Amount/Month Quant Tax Plan - Direct Plan ELSS 4000 Mirae Asset Tax Saver Fund - Direct Growth ELSS 6000 Axis Long Term Equity Fund - Direct Growth ELSS 2000 Kotak Flexicap Fund - Direct Growth Flexi Cap 2500 PGIM India Flexi Cap Fund - Direct Plan - Growth Flexi Cap 4000 Quant Active Fund Flexi Cap 2500 Nippon India Index Fund S&P BSE Index Fund 4000 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth Large and Mid Cap 2000 Axis Bluechip Fund - Direct Growth Large Cap 2000 PGIM India Midcap Opportunities Fund - Direct Plan -G Mid Cap 4000 Quant Multi Asset Fund Multi Asset 3000 Bank of India Small Cap Small Cap 2000 Canara Robeco Small Cap Fund - Direct Growth Small Cap 4500 Axis Small Cap Small Cap 2000 Quant Small Cap Small Cap 2000 Total   46500

I am a working class man and have started SIP in following funds from the last 6 months. Can invest till my retirement i.e. for the next 23 years period. My total monthly SIP is of Rs 22,000, I can increase Rs 500 in each fund (i.e. 15% step up) every year based on my salary. For the next 13-15 years I can take high risk out of 23 years. My other investments are PF (21600(employer) + 21600(employee)) yearly and can start Rs 50,000 yearly in NPS for tax saving. Looking for a combined corpus of 8-10 crore till retirement for my child's education (1 year old) and for my retirement savings, Can I achieve this with my SIP and other investments? Kindly guide /provide your expert opinion whether any of my funds are overlapping or needs to be discontinued or any new funds needs to be added to meet my target corpus. Funds: 1. Mirae Asset Global Electric & Autonomous Vehicles ETFs FundofFund (Direct Growth) - Rs 1,000 -Active 2. canara Robeco Bluechip Equity Fund (Direct Growth-Large Cap) - Rs 3,000 -Active 3. ICICI Prudential US Bluechip Equity Fund (Direct Growth-Sectoral/Thematic) - Rs 3,000 -Active 4. PGIM India Flexi Cap Fund (Direct Growth) - Rs 3,000 -Active 5. PGIM India MidCap Opportunities Fund (Direct Growth) - Rs 3,000 -Active 6. Quant Active Fund (Direct Growth-Multicap) - Rs 3,000 -Active 7. Quant Small Cap Fund (Direct Growth) - Rs 3,000 -Active 8. Quant Tax Plan (Direct Growth-ELSS) - Rs 3,000 -Active 9. Axis Long Term Equity Fund (Direct Growth-ELSS) - Rs 3,000 -Paused 

Dear Sir , I am 52 years old . Mainly investing through Mutual funds since 2016 ( though it was bit late ) targeting to build up a corpus of at least 1.2 crore at the age of 62 which is my retirement age . I am a self employed professional . I used to invest 40000/- per month since 2016 but due to financial obstacles recently had to stop all the SIP . Now , at present my total MF corpus 42 L against an investment value 31 lakhs , weighted average days 850 days . I am not sure if I am able to restart the SIPs in near future . So , I want to grow the present corpus to that level in next 10 years . Presently , my portfolio is over-diversified comprising 44 funds from 10 fund houses . Out of it 98 % in equity & 2% liquid . My present portfolio average XIRR is 13.88 % . I do seek an advice from you that how should I relocate / reconstruct my port folios in order to build up the above corpus which demand a 300 % growth in next years . I wanted to attach my portfolio detailed report but couldn't find scope to attach the same in this post .with thanks & best regards ; Suprabhat jatty