Been doing ~₹90k SIP for a year. Need advice on possible reshuffling or continuing as it is.

My investments:

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1. UTI NIFTY50 Index: ₹20000

2. Paragh Parikh Flexi Cap: ₹21000

3. UTI NIFTY Next50 Index: ₹5000

4. SBI Gold fund: ₹10000

5. Tata small cap: ₹5000

6. NPS: ₹30000

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Total: ₹91000

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I'm 31M and plan to work till the age of almost 55-60. NPS is primarily for retirement. The NIFTY50 and PPFC are for supplementing the retirement corpus, and perhaps for down-payment on home purchase 10 years down the line. All others are for saving for personal use (in addition to monthly liquid savings not mentioned here).

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I think some of the funds have overlap, but I thought fund diversification might be safer (might be wrong, please correct).

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Could you guys advise on whether to continue or shuffle the distribution more suitably?