You have a good diversified mutual fund portfolio. You could fine-tune your portfolio a little more according to your needs and cut down the number schemes to three or four. Additionally, you could convert your recurring deposit to an SIP and invest in a liquid fund or an arbitrage fund for better tax-efficient returns.

Read more: https://economictimes.indiatimes.com/mf/analysis/should-i-make-any-changes-to-my-mutual-fund-portfolio/articleshow/65302171.cms