Am I doing okay!?

Hi, I am a freelancer and a PhD student.. M29

I was/am trapped in vicious govt exam preparation cycle.. However through side hustle and phD stipend I have managed to save up 20 lakhs till now..

I still have , uncertain future though Because I joined phD late (28 years) I do want to get married...but this uncertain future has taken hold of me..hence hesitation in getting married.

However I want to maximize the returns in these savings.. Currently 18 lakhs are in FD

Planning to do mutual funds I have selected PP Flexicap Motilal or HDFC mid cap Nippon small cap

How should I move forward Apart from lumpsum, I can manage 10 k pm sip , as of now

Currently monthly income 60-65 k pm It's through freelancing hence no PF etc