Help me divide 50k SIP

I have borrowed 60 lakhs from my father to buy a land.

I have to repay him (interest free , though i would like to add interest if possible) in 5 years time. That’s 1 lakh per month.

50K is going to an RD (safety net)

He has agreed to let me put the rest of the 50k in SIPs.

I am a single child, so the money is eventually going to be passed onto me (I say this to convey I can take a bit of risk with what I SIP on)

How would you divvy up the SIP with the but if risk and a lot of safety.

Thank you!