How are my mutual fund SIPs

I am quite a regular reader of your very informative articles and may god bless you for your good work. I am 53 years male. Covered under mediclaim & term policy. My appetite for risk is quite high. I have been investing in PPF for past 10 years. I don't have any outstanding loans. I have invested in following SIPs and would like to have your opinion on these options. MY OUTLOOK IS OF 3+ YEARS. SBI Opportunities Fund @ INR 30,000 PM, Mirae Asset Emerging Bluechip @ INR 25,000 PM, ABSL Equity Fund @ INR 30,000 PM, L&T Hybrid Equity Fund @ INR 30,000 PM, HDFC Balanced Fund @ INR 30,000 PM, HDFC Equity Fund @ INR 10, 000 PM, HDFC Mid Cap Opportunities @ INR 5,000 PM. 1 TO 5 SIPs I have been investing for last 10 months & rest for 26 months. My queries: its too premature but please comment whether my SIPs are OK? whether any switching is necessary? I have 20 Lacs which I can invest lump sum. I might require these funds after 2 years for my son's MS in USA. so investing these 20L in debt fund will be a good idea? what will be it's Tax implications? or would you suggest any other option like Govt Bonds, Post Office or FD?