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Ans: As per your Mutual fund selcetion, you have an exposure in categories like thematic funds, flexi caps, value funds, bluechip, large and mid, mid cap, etc
The funds look okay but i would like you to consolidate your funds and select fewer funds compared to soo many funds.
You can select categories like Mid cap - 2 funds
Large and mid - 2 funds
small cap - 2 funds
consumption fund - 1 fund
MNC - 1 fund
Value fund - 1 fund
Digital fund - 1 fund

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: I take it that you have these amounts as SIPs in various funds. My observations are:-

· You have about 18% of your amount in sectoral or thematic funds and these three funds are not performing. It is always better to be in diversified funds than go into narrow themes like this since they are typically cyclical and a common investor normally is not able to time entry and exit into such categories. My suggestion is to get out of them.
· Your highest allocation is to midcap funds. Except the Sundaram Midcap, other two are performing well. You may get out of Sundaram fund.
· All your other funds are performing decently.
· Your Large cap fund allocation is very low which makes your portfolio risky – you may like to have a relook at it, unless you are comfortable with high risks.
· Same way, it is also a good idea to have a good allocation to Flexicap funds. A portfolio should also be balanced for risk by having a Balanced Allocation or an Asset Allocator fund. Think about it.