MF nav , time to get same nav value of the day , timing

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write report ppfc on 22nd aug,2025


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To receive the same day's Net Asset Value (NAV) for mutual fund investments in India, the cut-off time for submitting your purchase order and ensuring funds are realized depends on the type of mutual fund scheme, as regulated by the Securities and Exchange Board of India (SEBI). Here are the details:


- **Equity, Debt, and Hybrid Funds**: 

  - **Cut-off Time**: 3:00 PM IST on a business day.

  - **Condition**: You must submit your purchase application and ensure the funds are credited to the Asset Management Company’s (AMC) bank account before 3:00 PM IST to receive the same day's NAV. If the application is submitted or funds are realized after 3:00 PM, you will receive the next business day's NAV.[](https://www.bajajfinserv.in/investments/what-is-mutual-fund-cut-off-time)[](https://groww.in/blog/sebi-revises-mutual-fund-cut-off-timings)[](https://www.bajajbroking.in/blog/mutual-fund-cut-off-time)


- **Liquid and Overnight Funds**: 

  - **Cut-off Time for Subscription**: 1:30 PM IST.

  - **NAV Applicability**:

    - If the application is received and funds are available for utilization before 1:30 PM IST, you get the previous day's NAV.

    - If the application is received after 1:30 PM IST but funds are available on the same day, you get the same day's NAV.

    - If funds are not available on the day of application, you get the NAV of the day the funds are realized.[](https://www.bajajamc.com/knowledge-centre/mutual-fund-cut-off-time-and-its-significance)[](https://www.goinri.com/blog/nav-in-mutual-funds)[](https://www.sebi.gov.in/sebi_data/commondocs/mfcir112006_h.html)


**Key Points**:

- **Fund Realization**: Since February 1, 2021, SEBI mandates that the NAV is based on when funds are credited to the AMC’s account, not just when the application is submitted. This applies to all schemes except liquid and overnight funds for investments of any amount.[](https://www.amfiindia.com/investor-corner/knowledge-center/cut-off-timings.html)[](https://scripbox.com/mf/mutual-fund-cut-off-time/)

- **Payment Modes**: Using electronic payment methods like UPI, RTGS, NEFT, or net banking with supported banks (e.g., HDFC, ICICI, Axis, SBI, Kotak Mahindra) can help ensure faster fund realization to meet the cut-off time.[](https://groww.in/blog/sebi-revises-mutual-fund-cut-off-timings)[](https://www.amfiindia.com/investor-corner/knowledge-center/cut-off-timings.html)

- **Non-Business Days**: Orders placed on weekends or market holidays are processed on the next business day with the corresponding NAV.[](https://groww.in/blog/sebi-revises-mutual-fund-cut-off-timings)

- **Platform-Specific Timings**: Some platforms (e.g., Zerodha’s Coin) may have earlier internal cut-off times (like 2:00 PM) to account for processing delays. Always check with your investment platform for specific deadlines.[](https://tradingqna.com/t/equity-mutual-fund-cut-off-timing/174565)


**Example**:

- For an equity fund, if you submit your application and the funds are credited to the AMC by 2:30 PM IST on a business day, you get that day’s NAV. If the funds are credited at 3:30 PM, you get the next business day’s NAV.[](https://www.bajajamc.com/knowledge-centre/mutual-fund-cut-off-time-and-its-significance)

- For a liquid fund, if you invest before 1:30 PM IST and funds are available, you get the previous day’s NAV; after 1:30 PM, you get the same day’s NAV if funds are available.[](https://www.sebi.gov.in/sebi_data/commondocs/mfcir112006_h.html)


To maximize your chances of getting the same day’s NAV:

1. Submit your application well before the cut-off time.

2. Use fast payment methods like UPI or net banking with supported banks.

3. Confirm the specific cut-off time with your AMC or platform, as processing times may vary.[](https://www.angelone.in/knowledge-center/mutual-funds/mutual-fund-cut-off-time)[](https://support.zerodha.com/category/mutual-funds/understanding-mutual-funds/buying/articles/cut-off-time-for-mutual-fund-transactions-on-coin)


Always verify the cut-off times and policies with your mutual fund house or investment platform, as delays in fund realization can affect NAV allocation.[](https://www.bajajamc.com/knowledge-centre/mutual-fund-cut-off-time-and-its-significance)

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