Querry on MF SIP

Hi everyone. I am a 38 year old married man with a stable Government job having two kids of age 7 and 2. My spouse is also a Government employee. I have around 30 Lakhs in NPS and 4.5 lakhs in the Sovereign gold bond. I am new to this MF SIP investment.Thinking of starting my MF investment journey through SIP from January 2026. I need your suggestions. My tentative investment plan for the long term for around 10 plus years is as follows.

1. Flexi cap:Parag Parikh flexi cap direct growth: Rs.5500/- 2.BSE sensex Index fund:Hdfc BSE sensex index fund direct growth:Rs.5500/-
2. Thematic fund: Tata digital india fund direct growth:Rs.4500/-
3. Small cap: Quant small cap fund direct growth:Rs 6000/-
4. ELSS Tax saver fund: Canara Robeco ELSS Tax saver fund direct growth:Rs.3500/- 6.NSE Nifty index fund: Icici prudential Nifty 50 index fund direct growth:Rs.3000/-
5. Mid cap fund: Edelweiss midcap fund direct growth:Rs.3000/- 8.Micro cap fund: Motilal Oswal micro cap fund direct growth:Rs.3000/-
6. Gold fund: SBI gold fund direct growth:Rs.3000/-
7. Silver fund: HDFC silver fund direct growth:Rs.3000/-

Total SIP amount: Rs.40,000/- per month with 10% step up each year. Please suggest i. Is my portfolio of SIP balanced? ii. how much return can I expect? iii. do I need to add/delete some funds?

Please find the following Required Information:

Risk Appetite – moderate to aggressive.

Investment Goal – wealth creation

Investment Horizon – 10 years +

Allocation Details – Monthly SIP of Rs.40k with 10% step up yearly

App I Use-Groww

Hoping to get good suggestions. Thank you in advance for your valuable feedback.