Sharpe ratio
0.38Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
-2.92%1Y Absolute Return
-0.56%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| NJ ELSS Tax Saver Scheme Direct GrowthFund 3Y annualised return · 5Y history unavailable | ₹8,89,549 | ₹7,32,612 | ₹1,56,937 | +8.00% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.11
₹1 Lakh since launch₹1.11 Lakh
Fund age3.4 yrs
Fund information
Scheme code151611
ISININF0J8L01115
BenchmarkNIFTY 500 TRI
CategoryEquity Scheme - ELSS
Expense ratio0.70%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
147th / 192 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +6.15% | — | — |
| 3M | -20.66% | — | — |
| 6M | +0.85% | — | — |
| 1Y | -2.92% | — | -0.21% |
| 3Y | +8.00% | — | +9.69% |
| Since Launch | +11.06% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.53Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
13.05%How much the fund’s returns fluctuate over time.
Moderate volatility
Returns can move up and down noticeably.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.49How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Equity99.82%
Debt0.38%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 27 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Pidilite Industries Ltd | Materials | Equity | 5.6966% |
| Page Industries Ltd | Consumer Discretionary | Equity | 5.5334% |
| Bosch Ltd | Consumer Discretionary | Equity | 5.4532% |
| Akzo Nobel India Ltd | Materials | Equity | 5.383% |
| Marico Ltd | Consumer Staples | Equity | 5.3093% |
| AU Small Finance Bank Ltd | Financial | Equity | 4.8967% |
| ABB India Ltd | Industrials | Equity | 4.7848% |
| Mphasis Ltd | Technology | Equity | 4.6717% |
| The Great Eastern Shipping Company Ltd | Energy & Utilities | Equity | 4.628% |
| Hero Motocorp Ltd | Consumer Discretionary | Equity | 4.6264% |
Fund management
VI
Viral Shah
Since 2023 · Mr. Shah has started his career with NJ Group and has been Principal Officer for PMS segment with NJ Asset Management for more than 10 years.
Mr. Shah has done B.E. and MBA (Finance)
DH
Dhaval Patel
Since 2023 · Prior to joining NJ Mutual Fund, he has worked with Axis Mutual Fund, Credit Analysis & Research Ltd.
Mr. Patel has done IBS from Hyderabad
JA
Jaimin Ilavia
Since 2026 · Mr. Jaimin has Experience in dealing and portfolio management across various investment strategies of Portfolio management Services (PMS) segment in NJ AMC.
M.Com, CFA
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk equity scheme - elss fund. Trailing its category average over 3Y by 1.7 points.
Strengths
- None
Weaknesses
- Trailing its category average over 3Y by 1.7 points.
- Ranks 147 of 192 in its category over 1 year.
Ideal investor
- Needs a 5+ years (3-year lock-in) horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 13.1% volatility.
Risk drivers
- None