Dinesh-Pleasure to know your progress. However, considering your investment, I felt debt portfolio is missing. When your investment time horizon is around 10-15 years, you must not invest all 100% into equity alone. Instead, create a portfolio of equity:debt in range of 60:40 or 70:30. This will create a diversification. For debt category, you can use the equity-oriented balanced funds like HDFC Balanced fund, Short term debt funds or PPF (in my view best debt product if time horizon is 15 years or so). Rest is fine to me.