Mutual funds to create Rs 2 crore in 25 years

I am 32 years old. I have been investing in direct mutual fund schemes since May 2018.
Motilal Oswal Multicap 35 Fund: Rs 3,000
Invesco India Contra Fund: Rs 4,000
Aditya Birla Sun Life Pure Value Fund: Rs 3,000
Aditya Birla Sun Life Equity Fund: Rs 2,000
Nippon India Small Cap Fund: Rs 2,000
L&T Midcap Fund: Rs 2,500

The mutual funds are giving -14% returns. My goal is to build a corpus of Rs 2 crore in 25 years. Do I need to change any scheme?
--Ashwin Swaminathan

Jitendra Solanki, Founder, JS Financial Advisors, responds:

Equity markets giving negative returns is very normal. If markets will go down due to any reason, your fund may deliver negative returns.

You are investing in too many mutual fund schemes. Just add a large cap index fund like UTI Nifty Index Fund and continue with Motilal Oswal Multicap 35 Fund, Aditya Birla Sun Life Equity Fund and L&T Midcap Fund. As you have two multi cap schemes in your portfolio, you need not invest in a contra or value fund. If you are keen to invest in a value fund, then replace it with a multi cap.