Key Takeaways
✓NAV = Total Assets / Total Units
✓NAV daily update hoti hai
✓Lower NAV ≠ Cheap fund (common myth!)
✓AMFI website par free mein dekh sakte hain
NAV kya hai?
NAV ek mutual fund ki ek unit ki price hai. Jaise ek share ki price hoti hai, waise hi ek mutual fund unit ki price hoti hai — use NAV kehte hain. Agar HDFC Bluechip Fund ki NAV ₹85 hai, aur tum ₹5,000 invest karo, toh tumhe 58.8 units milenge.
NAV kaise calculate hoti hai?
NAV = (Total Value of All Assets - Liabilities) / Total Number of Units Outstanding. Example: Fund ke paas ₹100 crore ke stocks hain, ₹2 crore liabilities hain, aur 10 crore units outstanding hain. NAV = (100-2) / 10 = ₹9.8 per unit.
Common myth: Low NAV = Cheap fund
Bahut log sochte hain ki ₹10 NAV wala fund ₹200 NAV wale fund se ‘sasta’ hai. Yeh GALAT hai! NAV sirf price hai — performance nahi. Agar dono funds same stocks mein invest karte hain, returns same honge. NAV dekh ke fund mat choose karo.
NAV kab update hoti hai?
NAV har business day ke baad update hoti hai — usually evening 9-11 PM ke beech. Aaj agar tum 3 PM se pehle invest karo, toh aaj ki NAV milegi. 3 PM ke baad karo, toh kal ki NAV milegi. AMFI ki website par ya apne app par daily NAV dekh sakte ho.
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