Mutual Fund NAV Update Time

Net Asset Value (NAV) represents the price per unit of the mutual fund. Gain clarity on the timing and process of when mutual fund NAV gets updated.
EXPLORE FUNDS
Mutual Fund NAV Update Time
EXPLORE FUNDS
3 min
25-April-2024

Investing in mutual funds can be a great way to potentially grow your money, but have you ever wondered how the value of your investment is determined? It is through something called the Net Asset Value or NAV. In this article, we will learn about mutual fund NAV and understand when and how it gets updated.

What is NAV?

The Net Asset Value is like the heartbeat of a mutual fund. It represents the per-unit market value of all the securities held by the fund. Simply put, it tells you what one unit of the mutual fund is worth at a given time. NAV is crucial as it reflects the fund's overall performance.

When is NAV changed?

When considering the unit price of a mutual fund, it is crucial to understand that the value is updated daily, with varying timings for equity, debt, and hybrid funds. Unlike stocks, where prices fluctuate continuously, mutual fund Net Asset Value (NAV) is disclosed at the close of the trading day, adhering to SEBI regulations.
The following table is a simple representation of the above given information:

Type of Schemes

Time at which the NAV is updated

Liquid/ Overnight funds

11 p.m. on T day

Equity and debt funds

11 p.m. on T day

Fund of Funds

10 a.m. on T+1 day


Things you need to know about mutual fund NAV

Understanding NAV involves knowing that it is influenced by the performance of the underlying assets – stocks, bonds, and other securities. If the value of these assets goes up, the NAV goes up, and vice versa.

Here are some things you need to know about mutual fund nav

  • Dynamic value: Mutual Fund Net Asset Value (NAV) is a dynamic figure that changes daily, reflecting the fund's current per-unit market value.
  • Influenced by asset performance: NAV is heavily influenced by the performance of the fund's underlying assets, including stocks, bonds, and other securities.
  • Daily update: Unlike stock prices that change throughout the day, NAV is updated at the end of each trading day as per SEBI regulations.
  • Timing variations: Different categories of mutual funds, such as active and passive funds, have varying timings for NAV updates. The NAV upload time is same for equity, debt and hybrid.
  • Importance of historical NAV: Understanding historical NAV performance is crucial in evaluating a mutual fund's consistency and adherence to investment objectives.
  • Readily accessible: Investors can easily find NAV information on fund house websites, AMFI website, financial news platforms, or through their mutual fund distributors/brokers.
  • Complementing other indicators: While NAV is an essential indicator, it should be considered alongside other factors for a comprehensive assessment of mutual fund performance.

How do I find the NAV of a mutual fund?

Finding the NAV of a mutual fund is easy. Most fund houses display the NAV on their websites, and financial news websites also provide this information. You can also check with your mutual fund distributor or use mobile apps that offer real-time NAV updates.

  • Fund house resources: All fund houses provide NAV information on their official websites. Directly accessing the fund house's resources is a reliable way to obtain updated NAV.
  • Financial news platforms: Financial news websites regularly publish NAV details of various mutual funds. These platforms offer detailed information, keeping investors informed about NAV changes.
  • Mutual fund platforms: Mutual fund platforms like the Bajaj Finserv Platform can provide NAV information to investors.
  • AMFI website

Difference between NAV and AUM?

While NAV tells you the value per unit of the mutual fund, Assets Under Management (AUM) is the total value of all the assets the fund holds. AUM is calculated by multiplying the NAV by the total number of units issued. So, while NAV is on a per-unit basis, AUM gives you the overall size of the mutual fund.

Conclusion

Understanding when mutual funds update the NAV is essential for investors. The NAV represents the value of your mutual fund units. By staying informed about NAV changes and considering other factors, you can make more informed investment decisions. Remember, the financial world may seem complex, but with a bit of knowledge, even the uninitiated can navigate it successfully.

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Frequently asked questions

At what time does NAV get updated?

Mutual funds are mandated to disclose NAV daily. The NAV per unit for all schemes must be updated on both AMFI's website and the mutual funds' website by 11 p.m. on the same day. Fund of Funds are granted until 10 a.m. the following business day to update this information.

How do I get today's NAV of mutual funds?

You can obtain today's NAV of mutual funds through various channels, such as the fund house's website as well as the AMFI website.

Can I get NAV on the same day?

Yes, you can access the NAV on the same day, usually after the market closes and the NAV is updated by the mutual fund house.

How much NAV is good in a mutual fund?

There is no fixed "good" NAV for mutual funds as it varies based on factors like the fund's investment objectives, asset allocation, and performance compared to its benchmark index.

What if NAV is low?

A low NAV doesn't necessarily indicate a bad investment. It may present a buying opportunity for investors seeking to enter the fund at a lower price. However, investors should also consider other factors like the fund's performance, expense ratio, and investment strategy.

How do you read NAV?
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Disclaimer

Bajaj Finance Limited (“BFL”) is a Non-Banking Financial Company carrying the business of acceptance of deposits, providing lending solutions to Retail & Corporate customers, and is a Corporate agent of various insurance Companies. BFL is also registered with the Association of Mutual Funds in India (“AMFI”) as a distributor of third party Mutual Funds (shortly referred as ‘Mutual Funds’).

BFL does NOT:

(i) provide investment advisory services in any manner or form;

(ii) perform risk profiling of the investor;

(iii) carry customized/personalized suitability assessment;

(iv) carry independent research or analysis, including on any Mutual Fund schemes or other investments; and provide any guarantee of return on investment.


In addition to displaying the Mutual fund products of Asset Management Companies, some general information is sourced from third parties, is also displayed on ‘As-is’ basis, which should NOT be construed as any solicitation or attempt to effect transactions in securities or the rendering any investment advice. Mutual Funds are subject to market risks, including loss of principal amount and Investor should read all Scheme /Offer related documents carefully. The NAV of units issued under the Schemes of mutual funds can go up or down depending on the factors and forces affecting capital markets and may also be affected by changes in the general level of interest rates. The NAV of the units issued under the scheme may be affected, inter-alia by changes in the interest rates, trading volumes, settlement periods, transfer procedures and performance of individual securities. The NAV will inter-alia be exposed to Price / Interest Rate Risk and Credit Risk. Past performance of any scheme of the Mutual fund do not indicate the future performance of the Schemes of the Mutual Fund. BFL shall not be responsible or liable for any loss or shortfall incurred by the investors. There may be other / better alternatives to the investment avenues displayed by BFL. Hence, the final investment decision shall at all times exclusively remain with the investor alone and BFL shall not be liable or responsible for any consequences thereof.

Bajaj Finserv Direct Limited, (“BFDL”), a wholly owned subsidiary of Bajaj Finserv Limited (is a Registered with SEBI as an Investment Advisor with Registration no. INA000016083). BFDL enables resident Indian customers to directly invest in third party mutual funds through its online platform. BFDL entered into a referral arrangement with BFL, whereunder, BFL may, without risk or responsibility on its part, refer the resident Indian customers who are interested in placing their investments in Direct Mutual Funds through BFDL online platform. Investment by a person residing outside the territorial jurisdiction of India is not acceptable nor permitted.

Disclaimer on Risk-O-Meter:
Investors are advised before investing to evaluate a scheme not only on the basis of the Product labeling (including the Riskometer) but also on other quantitative and qualitative factors such as performance, portfolio, fund managers, asset manager, etc. and shall also consult their financial advisers, if they are unsure about the suitability of the scheme before investing