NJ ELSS Tax Saver Scheme SIP Calculator & Real Returns
ELSS · Direct Plan – Growth · Latest NAV ₹14.78 (13-Jul-2026)
This page backtests a real monthly SIP in NJ ELSS Tax Saver Scheme (direct plan, growth) against the fund's official AMFI NAV history — buying on the first available NAV of each month — instead of assuming a generic 12% return.
A ₹10,000 monthly SIP started 3 years ago (₹3,60,000 invested) would be worth about ₹3,83,559 today — an absolute return of +6.5% and an XIRR of +4.31%.
What a ₹10,000 monthly SIP actually did
| Started | Invested | Value today | Absolute return | XIRR |
|---|---|---|---|---|
| 1 year ago | ₹1,20,000 | ₹1,22,424 | +2.0% | +4.18% |
| 3 years ago | ₹3,60,000 | ₹3,83,559 | +6.5% | +4.31% |
Backtest buys on the first available NAV of each month and values the units at the latest NAV. Longer periods appear as NAV history accumulates.
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Frequently Asked Questions
What is the 1-year SIP return of NJ ELSS Tax Saver Scheme?
Based on actual NAV history, a ₹10,000 monthly SIP in NJ ELSS Tax Saver Scheme over the last 1 year (₹1,20,000 invested) would be worth about ₹1,22,424, an XIRR of +4.18%. Past performance does not guarantee future results.
What is the 3-year SIP return of NJ ELSS Tax Saver Scheme?
Based on actual NAV history, a ₹10,000 monthly SIP in NJ ELSS Tax Saver Scheme over the last 3 years (₹3,60,000 invested) would be worth about ₹3,83,559, an XIRR of +4.31%. Past performance does not guarantee future results.
Is a SIP in NJ ELSS Tax Saver Scheme safe?
NJ ELSS Tax Saver Scheme is a ELSS fund, and its value moves with the market — SIPs spread your purchases over time but do not remove market risk. Review the scheme document and consider consulting a SEBI-registered adviser before investing.
Mutual fund investments are subject to market risks — read all scheme-related documents carefully. This tool is for information and education only and is not investment advice or a recommendation of any scheme.