Which day NAV you will get ?
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Many investors often notice that when they invest in mutual funds—especially through SIPs—they don’t always receive the same day NAV (Net Asset Value). This can feel confusing, especially when markets move sharply. Let’s understand why this happens in simple terms.
What is NAV?
NAV (Net Asset Value) is the price at which you buy or sell mutual fund units. It is calculated at the end of each trading day based on the market value of the fund’s underlying investments.
Why Same Day NAV is Not Always Allotted
1. Cut-off Time Rule
The most important reason is the cut-off time set by SEBI.
For equity mutual funds, the cut-off time is 3:00 PM
For liquid funds, it is usually 1:30 PM
If your investment (along with fund realization) is completed before the cut-off time, you get the same day NAV. Otherwise, you get the next business day NAV.
2. Realization of Funds (Very Important)
Earlier, NAV was based only on the time of placing the order. But now, the rule is stricter:
👉 You get NAV based on when the money actually reaches the mutual fund house.
This means:
If you invest via net banking/UPI, delays can happen
If money reaches after cut-off time, you get next day NAV
3. SIP Auto-Debit Timing
In SIP:
Your bank may debit money on the SIP date
But settlement to the fund house may take time
So even if your SIP date is today, NAV may be next day or even T+2 days, depending on fund realization.
4. Non-Business Days
If you invest on:
Weekends (Saturday/Sunday)
Market holidays
👉 You will get NAV of the next working day
Example to Understand
You invest ₹10,000 at 2:00 PM
But money reaches fund house at 4:30 PM
👉 You will NOT get same day NAV
👉 You will get next business day NAV
Important Tip for Lumpsum Investors
If you are planning a lumpsum investment, timing matters.
✍Free SIP guide for beginners.
✅ What You Should Do
Invest well before 3:00 PM
Use faster payment modes (UPI/Net banking with sufficient balance)
Avoid last-minute transactions
❌ What to Avoid
Investing close to cut-off time
Assuming order time = NAV time (it’s not anymore)
Key Takeaway
Getting same day NAV depends on two things:
Time of transaction
Time when funds are realized
SIP investors don’t need to worry much about daily NAV, as SIP works on rupee cost averaging. However, for lumpsum investments, being mindful of cut-off time can make a difference—especially in volatile markets.
Final Advice
SIP is about discipline, not timing
Lumpsum investment is about timing + execution
👉 So, if you are investing lumpsum, always complete your transaction before cut-off time to increase chances of getting same day NAV.
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