32 M, BLR | 85L networth

Folx, please advice how I can improve..

I earn 1.6L p.m. currently and don't have a monthly investing pattern but do based on market. If you look at my india stocks, they're not doing good. Reason - adani and late entry into PSUs.

My current nw in lakhs -

Mutual funds 13.1

Equity (Ind) 28.2 (14% profit; 8% XIRR)

Equity (US) 7.2

Crypto (Wazirx) 7.6 (not incl in net worth calculation)

FD 13.7

Cash (in bank) 6.6

EPF 15.6

Also, I want to invest this excess cash. What would be your recommendation?