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@duffy44 Edited and updated.

@duffy44 You are not doing anything wrong. Put 10k in quant flexi cap. Trust me, for 3 yrs, you will invest around 3.6L. one fund is enough. Try to increase savings to one more FD of 4L. For studying, break the 2Fds and take loan for remaining. Don't break the MF. Just pause the payments once...