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+1
PPF is a good investment
Limit NPS to 50k annually
Rest, invest in SIPs. Mix of low n high risk will be good.
RD is not recommended
That RD is for my next year International trip flight expenses 😬😬
Try splitting your nps into two categories
1. Individual contribution.
2. Corporate nps contribution.
Check if stocks ur are investing are giving any better returns than mutual funds you are currently investing in, if yes then continue those or else shift that amount to mutual funds.
I would suggest to have some exposure in gold as well, Sovereign gold bonds from secondary market would be a good option.
You don't need an handsome amount though....you can buy single bond from secondary market at a discounted rate.(5.5--6k)