25M, earning ₹2L/month for 3 years. Not sure how to build a proper investment portfolio

Hi everyone,

I'm 25 years old and have been earning around ₹2 lakh per month consistently for the last 3 years through my e-commerce business. I come from a poor background, so I never had much financial guidance growing up.

Current situation:

• Age: 25
• Income: ~₹2L/month
• Business: E-commerce (primary source of income)
• City: Tier-2 city in India (remote work)
• Land: Bought a plot in a good location worth around ₹20 lakh
• Indian stocks: ₹6 lakh
• Gold: ₹2 lakh
• No house yet
• No debt

One important point: I'm from a Muslim background, so I avoid investments that involve interest (riba). That means I don't use FDs, conventional mutual funds, bonds, or interest-based lending/borrowing. I'm looking for halal/Sharia-compliant ways to grow my wealth.

I feel like most of my money is just sitting idle because I honestly don't know how to diversify properly.

My questions are:

1. How would you build a diversified portfolio in my situation?
2. What asset allocation would you recommend?
3. Should I continue buying more land, increase my stock allocation, invest internationally, or look into other halal investment options?
4. If you were starting at 25 with my financial position, what would you do differently?

I'd really appreciate advice from people who have experience with long-term wealth building, especially if anyone here follows Sharia-compliant investing.