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Ans: Hold the following and sell the rest and add in the holding
HDFCLIFE
IOC
Tata Motors
Tata Steel
Wipro

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Ans: Steel as an industry is good, you can stay invested in Tatasteel.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Ans: Hatway - SELL
IOC - HOLD
Mannapuram - SELL
Motherson - HOLD
OIL - SELL
Tata Steel - HOLD
Wipro - HOLD
RVNL - HOLD
Heromoto - HOLD
Tata Motors - HOLD
All above recommendation of HOLD is for atleast 3-5yrs, please consult your appointed/paid financial adviser before taking the decision.

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Ans: Hello,
As per your description of your assets, you have 3.5 + 4 = 7.5crs total
For living you can buy a house upto 3-3.5crs inclusive of taxes and interiors ( this will net of taxes paid for the property sold previously )
The remaining amount which is 4crs , you can park that in a balanced portfolio of mutual funds to get SWP of Rs.2L per month which is 6%. What this will do is take care of your day to day expenses and also give an appreciation of your portfolio to beat inflation VS FD which will give you 6% but no capital appreciation.
You can do as follows in terms of the funds
Emergency fund - 20L in a short term debt fund or FD
Investment portfolio - 3.8crs
Small cap - 15%
Mid cap - 15%
Large and mid cap - 20%
Multicap - 20%
Consumption fund - 10%
Equity hybrid / BAF - 10%
As per choice - 10%

Do spend some money for medical insurance no matter how expensive with a good medical insurance company after consulting an advisor.

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.