{"id":12340,"date":"2026-08-25T13:07:42","date_gmt":"2026-08-25T07:37:42","guid":{"rendered":"https:\/\/www.fatakpay.com\/blog\/?p=12340"},"modified":"2026-08-25T13:07:45","modified_gmt":"2026-08-25T07:37:45","slug":"nav-in-mutual-fund","status":"publish","type":"post","link":"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/","title":{"rendered":"NAV Full Form, Meaning and How to Calculate It\u00a0"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/#Key_Takeaways\" >Key Takeaways&nbsp;<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/#What_is_NAV_in_a_Mutual_Fund\" >What is NAV in a Mutual Fund?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/#NAV_Full_Form_and_What_Net_Asset_Value_Means\" >NAV Full Form and What Net Asset Value Means&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/#NAV_Formula\" >NAV Formula&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/#How_is_NAV_Calculated_A_Worked_Example\" >How is NAV Calculated? A Worked Example&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/#When_is_NAV_Declared\" >When is NAV Declared?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/#Cut-Off_Time_Which_Days_NAV_Do_You_Get\" >Cut-Off&nbsp;Time: Which Day&#8217;s NAV Do You Get?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/#NAV_and_Your_Returns\" >NAV and Your Returns&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/#Conclusion\" >Conclusion&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/#FAQs\" >FAQs&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/#What_is_the_full_form_of_NAV\" >What is the full form of NAV?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/#What_is_NAV_in_a_mutual_fund_in_simple_words\" >What is NAV in a mutual fund in simple words?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/#How_is_NAV_calculated\" >How is NAV calculated?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/#Is_a_lower_NAV_better\" >Is&nbsp;a lower&nbsp;NAV better?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/#At_what_time_is_NAV_declared\" >At what time is NAV declared?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/#Which_days_NAV_will_I_get_if_I_invest_today\" >Which day&#8217;s NAV will I get if I invest today?&nbsp;<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Takeaways\"><\/span><strong>Key Takeaways<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NAV stands for Net Asset Value and\u00a0represents\u00a0the per-unit value of a mutual fund scheme, not whether the fund is cheap or expensive.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NAV is calculated by subtracting total liabilities from total assets and dividing the result by outstanding units.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mutual fund NAV is\u00a0generally calculated\u00a0and declared once each business day after the markets close, based on the applicable valuation of the underlying investments.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A lower NAV does not mean a mutual fund is a better bargain. Fund\u00a0selection\u00a0should consider factors such as portfolio, risk,\u00a0costs\u00a0and investment strategy.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The NAV applicable to your transaction depends on cut-off rules and fund\u00a0realisation, particularly for purchases. The applicable NAV also\u00a0determines\u00a0the value of units when you redeem your investment.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">NAV full form\u00a0is Net Asset Value, the per-unit value of a mutual fund scheme. It tells you what each unit is worth, not whether a fund is cheap or expensive or whether it has performed well. If you are new to\u00a0what mutual funds are, this guide is a good place to start. It explains the NAV meaning, formula, a worked calculation, when NAV is declared, and why a lower NAV does not automatically make a fund a bargain.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_NAV_in_a_Mutual_Fund\"><\/span><strong>What is NAV in a Mutual Fund?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">NAV, or Net Asset Value, is the per-unit value of a mutual fund scheme, calculated by dividing its total assets minus liabilities by the number of units outstanding. In simple terms, NAV in mutual fund investing&nbsp;represents&nbsp;the value or price of one unit of the scheme. It is the price used for buying and selling mutual fund units, subject to applicable cut-off rules.&nbsp;NAV changes as the market value of the scheme&#8217;s underlying investments changes.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"NAV_Full_Form_and_What_Net_Asset_Value_Means\"><\/span><strong>NAV Full Form and What Net Asset Value Means<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The\u00a0NAV full form\u00a0is\u00a0Net Asset Value. &#8220;Net&#8221; means the value\u00a0remaining\u00a0after deducting liabilities. &#8220;Asset&#8221; refers to the investments and other assets held by the scheme. &#8220;Value&#8221;\u00a0represents\u00a0their resulting worth.\u00a0\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Together,\u00a0net asset value\u00a0indicates\u00a0the value attributable to each outstanding unit after accounting for liabilities. This is the basic\u00a0meaning of NAV in mutual fund\u00a0investing and helps investors understand the value assigned to each unit.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"NAV_Formula\"><\/span><strong>NAV Formula<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">NAV = (Total Assets &#8211; Total Liabilities) \/ Total Number of Units Outstanding&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The\u00a0NAV formula\u00a0uses three key inputs:\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Total assets:<\/strong>\u00a0The market value of securities and other assets held by the scheme.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Total liabilities:<\/strong>\u00a0Amounts the scheme owes, including applicable expenses and other obligations.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Units outstanding:<\/strong>\u00a0The total number of units currently held by investors.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This\u00a0net asset value calculation\u00a0gives the value attributable to one unit of the mutual fund.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_is_NAV_Calculated_A_Worked_Example\"><\/span><strong>How is NAV Calculated? A Worked Example<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Suppose a mutual fund scheme has investments and other assets worth \u20b950 crore and liabilities of \u20b92 crore. It has 4 crore units outstanding. The calculation would be:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Particulars<\/strong>&nbsp;<\/td><td><strong>Amount<\/strong>&nbsp;<\/td><\/tr><tr><td>Total assets&nbsp;<\/td><td>\u20b950 crore&nbsp;<\/td><\/tr><tr><td>Total liabilities&nbsp;<\/td><td>\u20b92 crore&nbsp;<\/td><\/tr><tr><td>Net assets&nbsp;<\/td><td>\u20b948 crore&nbsp;<\/td><\/tr><tr><td>Units outstanding&nbsp;<\/td><td>4&nbsp;crore&nbsp;<\/td><\/tr><tr><td>NAV per unit&nbsp;<\/td><td>\u20b912&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">So, the\u00a0net asset value\u00a0is \u20b912 per unit because \u20b948 crore divided by 4 crore units equals \u20b912. In practice, the fund&#8217;s NAV is calculated for each business day based on the applicable valuation\u00a0methodology.\u00a0\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_is_NAV_Declared\"><\/span><strong>When is NAV Declared?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">NAV is&nbsp;generally calculated&nbsp;and declared once each business day after the markets close, using the closing value of the scheme&#8217;s underlying securities. Unlike a listed share price, which can move throughout the trading session, a mutual fund does not have a continuously changing NAV during market hours. Mutual fund schemes publish NAVs daily on their respective websites,&nbsp;and AMFI also provides NAV information.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding&nbsp;<a href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/mutual-fund-redemption\/\" target=\"_blank\" rel=\"noopener\"><strong>how mutual fund redemption works<\/strong><\/a>&nbsp;is also important because the NAV applicable at the time of redemption&nbsp;determines&nbsp;the value of the units you sell. Any applicable exit load can reduce the amount you receive, so the final proceeds may differ from a simple calculation based only on the change in NAV.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cut-Off_Time_Which_Days_NAV_Do_You_Get\"><\/span><strong>Cut-Off&nbsp;Time: Which Day&#8217;s NAV Do You Get?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The applicable NAV depends on two things. When you&nbsp;submit&nbsp;the request, and for purchases, when the investment amount is received and available for&nbsp;utilisation&nbsp;by the&nbsp;<a href=\"https:\/\/www.fatakpay.com\/invest-in-mutual-funds\" target=\"_blank\" rel=\"noopener\"><strong>mutual fund<\/strong><\/a>. For most schemes, the purchase cut-off is 3 p.m., subject to applicable rules. AMFI&#8217;s current guidance explains the&nbsp;realisation&nbsp;requirement.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For the complete rules on&nbsp;which&nbsp;day\u2019s&nbsp;NAV applies to your transaction, refer to the dedicated AMFI cut-off time guide.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"NAV_and_Your_Returns\"><\/span><strong>NAV and Your Returns<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your gain or loss from a mutual fund depends on the change in NAV between when you buy and when you redeem units. This is after accounting for applicable costs such as an exit load. For example, if your purchase NAV is \u20b920 and the redemption NAV is \u20b925, the NAV movement&nbsp;represents&nbsp;a 25% increase before applicable charges and taxes. For planning investments,&nbsp;an&nbsp;<a href=\"https:\/\/www.fatakpay.com\/calculator\/sip\" target=\"_blank\" rel=\"noopener\"><strong>SIP calculator<\/strong><\/a>&nbsp;can help estimate potential outcomes.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding&nbsp;NAV&nbsp;is fundamental to understanding mutual fund transactions. NAV, or Net Asset Value,&nbsp;represents&nbsp;the value of one unit based on the scheme&#8217;s assets, liabilities, and outstanding units. It changes with the value of the underlying portfolio and is&nbsp;generally declared&nbsp;daily after markets close. A low NAV does not make a fund cheaper&nbsp;or automatically&nbsp;more attractive. Think of NAV as the price per unit and the timestamp on your transaction, not a scorecard.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Explore&nbsp;FatakPay\u2019s&nbsp;financial products and choose&nbsp;an option&nbsp;that suits your needs.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_full_form_of_NAV\"><\/span><strong>What is the full form of NAV?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The full form of NAV is Net Asset Value. It&nbsp;represents&nbsp;the value attributable to each mutual fund unit after accounting for the scheme&#8217;s assets and liabilities. NAV helps&nbsp;determine&nbsp;the value at which units are allotted or redeemed, subject to the applicable scheme and transaction rules.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_NAV_in_a_mutual_fund_in_simple_words\"><\/span><strong>What is NAV in a mutual fund in simple words?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">NAV in mutual fund terms is simply the value of one unit of a scheme. It is calculated from the scheme&#8217;s net assets and number of outstanding units. When you invest, the applicable NAV&nbsp;determines&nbsp;how many units you receive for your investment amount.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_is_NAV_calculated\"><\/span><strong>How is NAV calculated?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">NAV is calculated by subtracting a scheme&#8217;s total liabilities from its total assets and dividing the result by its outstanding units. The&nbsp;<strong>NAV formula<\/strong>&nbsp;is:&nbsp;NAV = (Total Assets &#8211; Total Liabilities) \/ Total Number of Units Outstanding. This gives the per-unit value of the scheme.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_a_lower_NAV_better\"><\/span><strong>Is&nbsp;a lower&nbsp;NAV better?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No, a lower NAV is not automatically better. NAV only&nbsp;indicates&nbsp;the value of one unit and does not tell you whether a fund is undervalued or likely to perform well. Fund&nbsp;selection&nbsp;should instead consider factors such as investment strategy, portfolio, risk,&nbsp;costs&nbsp;and long-term performance.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"At_what_time_is_NAV_declared\"><\/span><strong>At what time is NAV declared?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">NAV is&nbsp;generally declared&nbsp;after the markets close on each business day because the scheme&#8217;s underlying securities need to be valued using applicable closing prices. Mutual funds publish&nbsp;their NAVs daily, and investors can access them through the AMC&#8217;s website and AMFI&#8217;s NAV database.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_days_NAV_will_I_get_if_I_invest_today\"><\/span><strong>Which day&#8217;s NAV will I get if I invest today?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The NAV you receive depends on the applicable cut-off time and, for purchases, when the funds are actually received and available for&nbsp;utilisation&nbsp;by the mutual fund. For most schemes, funds available before the applicable 3 p.m. cut-off can qualify for that day&#8217;s closing NAV.&nbsp;<\/p>\n\n\n\n<script type=\"application\/ld+json\"> \n{ \n  \"@context\": \"https:\/\/schema.org\/\", \n  \"@type\": \"BreadcrumbList\", \n  \"itemListElement\": [{ \n    \"@type\": \"ListItem\", \n    \"position\": 1, \n    \"name\": \"Home\", \n    \"item\": \"https:\/\/www.fatakpay.com\" \n  },{ \n    \"@type\": \"ListItem\", \n    \"position\": 2, \n    \"name\": \"Blog\", \n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/\" \n  },{ \n    \"@type\": \"ListItem\", \n    \"position\": 3, \n    \"name\": \"Mutual Funds\", \n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/\" \n  },{ \n    \"@type\": \"ListItem\", \n    \"position\": 4, \n    \"name\": \"NAV Full Form, Meaning and How to Calculate It\", \n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/\" \n  }] \n} \n<\/script>\n\n\n\n<script type=\"application\/ld+json\"> \n{ \n  \"@context\": \"https:\/\/schema.org\", \n  \"@type\": \"BlogPosting\", \n  \"mainEntityOfPage\": { \n    \"@type\": \"WebPage\", \n    \"@id\": \"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/nav-in-mutual-fund\/\" \n  }, \n  \"headline\": \"NAV Full Form: Meaning, Formula & How NAV Is Calculated\", \n  \"description\": \"Learn the NAV full form, NAV meaning in mutual funds and the NAV formula. Understand how Net Asset Value is calculated and how it affects your investment.\", \n  \"image\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\", \n  \"author\": { \n    \"@type\": \"Organization\", \n    \"name\": \"FatakPay\", \n    \"url\": \"https:\/\/www.fatakpay.com\" \n  }, \n  \"publisher\": { \n    \"@type\": \"Organization\", \n    \"name\": \"FatakPay\", \n    \"logo\": { \n      \"@type\": \"ImageObject\", \n      \"url\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\" \n    } \n  }, \n  \"datePublished\": \"2026-08-25\", \n  \"dateModified\": \"2026-08-25\" \n} \n<\/script>\n\n\n\n<script type=\"application\/ld+json\"> \n{ \n  \"@context\": \"https:\/\/schema.org\", \n  \"@type\": \"FAQPage\", \n  \"mainEntity\": [{ \n    \"@type\": \"Question\", \n    \"name\": \"What is the full form of NAV?\", \n    \"acceptedAnswer\": { \n      \"@type\": \"Answer\", \n      \"text\": \"The full form of NAV is Net Asset Value. It represents the value attributable to each mutual fund unit after accounting for the scheme's assets and liabilities. NAV helps determine the value at which units are allotted or redeemed, subject to the applicable scheme and transaction rules.\" \n    } \n  },{ \n    \"@type\": \"Question\", \n    \"name\": \"What is NAV in a mutual fund in simple words?\", \n    \"acceptedAnswer\": { \n      \"@type\": \"Answer\", \n      \"text\": \"NAV in mutual fund terms is simply the value of one unit of a scheme. It is calculated from the scheme's net assets and number of outstanding units. When you invest, the applicable NAV determines how many units you receive for your investment amount.\" \n    } \n  },{ \n    \"@type\": \"Question\", \n    \"name\": \"How is NAV calculated?\", \n    \"acceptedAnswer\": { \n      \"@type\": \"Answer\", \n      \"text\": \"NAV is calculated by subtracting a scheme's total liabilities from its total assets and dividing the result by its outstanding units. The NAV formula is: NAV = (Total Assets - Total Liabilities) \/ Total Number of Units Outstanding. This gives the per-unit value of the scheme.\" \n    } \n  },{ \n    \"@type\": \"Question\", \n    \"name\": \"Is a lower NAV better?\", \n    \"acceptedAnswer\": { \n      \"@type\": \"Answer\", \n      \"text\": \"No, a lower NAV is not automatically better. NAV only indicates the value of one unit and does not tell you whether a fund is undervalued or likely to perform well. Fund selection should instead consider factors such as investment strategy, portfolio, risk, costs and long-term performance.\" \n    } \n  },{ \n    \"@type\": \"Question\", \n    \"name\": \"At what time is NAV declared?\", \n    \"acceptedAnswer\": { \n      \"@type\": \"Answer\", \n      \"text\": \"NAV is generally declared after the markets close on each business day because the scheme's underlying securities need to be valued using applicable closing prices. Mutual funds publish their NAVs daily, and investors can access them through the AMC's website and AMFI's NAV database.\" \n    } \n  },{ \n    \"@type\": \"Question\", \n    \"name\": \"Which day's NAV will I get if I invest today?\", \n    \"acceptedAnswer\": { \n      \"@type\": \"Answer\", \n      \"text\": \"The NAV you receive depends on the applicable cut-off time and, for purchases, when the funds are actually received and available for utilisation by the mutual fund. For most schemes, funds available before the applicable 3 p.m. cut-off can qualify for that day's closing NAV.\" \n    } \n  }] \n} \n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Key Takeaways&nbsp; NAV full form\u00a0is Net Asset Value, the per-unit value of a mutual fund scheme. It tells you what each unit is worth, not whether a fund is cheap or expensive or whether it has performed well. If you are new to\u00a0what mutual funds are, this guide is a good place to start. It<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[697],"tags":[],"class_list":["post-12340","post","type-post","status-publish","format-standard","category-mutual-funds"],"_links":{"self":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/12340","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/comments?post=12340"}],"version-history":[{"count":1,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/12340\/revisions"}],"predecessor-version":[{"id":12341,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/12340\/revisions\/12341"}],"wp:attachment":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media?parent=12340"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/categories?post=12340"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/tags?post=12340"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}