NJ ELSS Tax Saver Scheme Direct Growth

ELSS Tax SaverEquityVery High risk Rank 35 of 48

NAV · Direct-Growth

₹14.20-0.10-0.70%

As of 1 Oct 2026 · AMFI

NAV growth-3.7%

Oct ’25Oct ’26

Arthkar verdictMixed picture

Returns

Lags category

0 of 2 periods ahead

Cost

Low

0.55% vs 0.92% peers

Volatility

Above average

16.4% vs 15.5% cat (3Y)

Consistency

Patchy

positive in 1 of 3 years

Trails its ELSS Tax Saver category on 1Y & 3Y — but has run more volatile than peers.

1Y return

-4.2%

-1.1 vs cat

3Y CAGR

+8.7%

-1.9 vs cat

5Y CAGR

—

AUM

₹327.66 Cr

fund size

Expense

0.55%

direct plan

Volatility 3Y

16.4%

▲ vs 15.5%

Go deeper on NJ ELSS Tax Saver Scheme Direct Growth

Two data-only views, computed from this fund's real NAV history — no projections.

NJ ELSS Tax Saver Scheme Direct Growth SIP returnsWhat ₹1,000–₹25,000/month actually became, 3 to 20 years — real results, with drawdowns and an FD comparison.NJ ELSS Tax Saver Scheme Direct Growth real oddsYour real chances over every start date in history — how often it made money and beat a fixed deposit.

In plain English

NJ ELSS Tax Saver Scheme Direct Growth is a ELSS Tax Saver scheme from NJ. The portfolio is ~100% in equities. 3-year CAGR: about 8.7%. Volatility is typical for equity — 20–30 % drawdowns happen during market stress. Worst historical drawdown: -23% in Mar 2025 — ongoing. Mandatory 3-year lock-in. Wrong fit if you need access sooner.

Auto-generated from holdings, returns and risk data. No paid placement, no copy-pasted boilerplate.

NAV history

Showing Direct · Growth · INF0J8L01115

NAV (Direct-Growth)

₹14.2000

Last 1Y

-3.66%

Oct 25Min ₹13.08 · Max ₹15.30 · 247 ptsOct 26

Drawdown stories

The crashes you should know about — and how long the fund took to recover.

Mar 2025 — ongoing

-22.8%

Peak ₹16.62 on 26 Sept 2024 → trough ₹12.83 on 4 Mar 2025 (5 months down).

Not yet recovered

Computed from the full NAV history. We show drawdowns deeper than 10%, sorted by depth.

Honesty score

A 1–5 grade on the dimensions other sites won't surface — expense bloat, AUM bloat, concentration, mandate compliance.

Honesty score

4 / 5

Solid scheme on the dimensions we check. No red flags.

Expense ratio
0.55% — well below typical 1% for equity.
AUM size
₹328 Cr.
Sector concentration
Top 3 sectors = 60.4% — fairly concentrated.

Computed from expense ratio, AUM, sector concentration and SEBI mandate compliance. No paid review.

Performance

Returns for various periods, with category average and peer rank.

Period	Returns	Category avg	Rank
1W	-3.14%	-2.89%	39/ 49
1M	-4.70%	-5.13%	15/ 49
3M	-3.73%	-4.34%	17/ 49
6M	+5.66%	+7.06%	26/ 49
YTD	-3.40%	-5.29%	17/ 49
1Y	-4.18%	-3.04%	30/ 49
2Y	-6.00%	-2.28%	45/ 48
3Y	+8.69%	+10.58%	35/ 48

Portfolio composition

Asset allocation

Equity99.50%
Cash0.50%

By market cap

Large cap33.92%
Mid cap29.65%
Small cap40.20%

Concentration

Holdings

Avg market cap

₹47.9K Cr

Top 10 stocks

50.17%

Top 5 stocks

26.10%

Top 3 sectors

60.39%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight

1
Great Eastern Shipping Co Ltd
—8.00%
2
Marico Ltd
—5.93%
3
Britannia Industries Ltd
—5.54%
4
Bayer CropScience Ltd
—5.42%
1
Pidilite Industries Ltd
—5.35%
2
JSW Dulux Ltd
—5.30%
3
Marico Ltd
—5.26%
5
Hero MotoCorp Ltd
—5.20%
4
Page Industries Ltd
—5.15%
5
Bosch Ltd
—5.05%
6
ABB India Ltd
—4.98%
7
Mphasis Ltd
—4.95%
6
Pidilite Industries Ltd
—4.92%
7
JSW Dulux Ltd
—4.83%
8
Page Industries Ltd
—4.78%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff

P/E ratio22.5124.09-1.58
P/B ratio5.183.29+1.89
Price / Sales5.682.96+2.72
Price / Cash Flow25.3218.13+7.19
Dividend yield1.68%1.23%+0.45
Return on equity (ROE)30.09%16.61%+13.48

Risk metrics

Standard deviation, Sharpe, Sortino, Beta — all vs category average.

Metric1Y3Y5YCat 1YCat 3YCat 5Y

Standard deviation
Volatility — lower means steadier returns.
16.0816.07—17.2615.4714.47
Sharpe ratio
Risk-adjusted return — higher is better.
-0.850.42—-0.400.450.49
Sortino ratio
Like Sharpe but only counts downside volatility.
-1.110.65—-0.500.670.75
Beta
1 = moves with the market. <1 = less volatile.
0.720.96—0.960.960.94

Peers in ELSS Tax Saver

Other schemes in the same SEBI category, ranked by AUM.

Peer fundAUM1Y3Y CAGRExpense

Peers in same SEBI category, ranked by AUM. Compare any →

Available plans & options

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