MF portfolio advice

Dear Sreekanth, having followed your blogs & other sites on the benefits of MFs, I’ve shifted some savings to SIPs by stopping FD’s. Have been investing for last 1.5 year in (22K per month) 1) ABSL tax relief 96 (g) —6000 sip 2) Axis long term equity regular (g)—6500 sip 3) Mirae Asset Emerging blue chip (g)—5000 sip 4) Reliance small cap —2000 sip 5) HDFC Hybrid equity —2500 sip Additionally invested 1L lumpsums in HDFC hybrid equity, Axis long term equity, SBI blue chip in mid of 2017. Age is more than 1.5 yr for sips but returns seems to be not good. should i continue with these? My lookout is long term like 7-10yrs, current portfolio worth is 7.5L just 15K increase. Feels like if I do FD this whole amount every yr returns are better than this. So I’m not touching my other FD’s. Every where it says MFs are better for long term & recommend not to stop sips…hence wondering do I get differentiated returns if I still continue with these funds? Or should i stop any sips from the list? SBI fund with 1L lumpsum since 1.5 yr hasn’t given even 500 return by now if i see—should I withdraw it? I took home loan of 30L last month considering it will also help in tax savings (my gross 16L), the interest repay amount is very high hence thinking if additional tax i would have paid is way lower than my interest payout & wondering should I prepay with 5L etc withdrawal from this MF portfolio? Or should I stop some sips i.e. reduce monthly SIPs amount & increase my homeloan EMI? —somewhere I’ve read investing in MF is better than prepaying bank loan. But unable to decide. I already have 1Cr term cover & adequate health cover. I’m 33yr old. Appreciate your advice & recommendation.