NAV Calculator — Mutual Fund Unit Value & Returns
Real-World Examples — 2026
1,000 units at average NAV ₹100, current NAV ₹185
Current value: 1,000 × ₹185 = ₹1,85,000. Investment cost: 1,000 × ₹100 = ₹1,00,000. Profit: ₹85,000. CAGR over 5 years: 13.1% p.a. Absolute return: 85%.
SIP investor — weighted average NAV
SIP investors buy at different NAVs each month. Your statement shows average cost NAV. If you've invested ₹1,00,000 in SIP and now have 850 units at ₹150 NAV: current value ₹1,27,500, gain ₹27,500, average purchase NAV = ₹1,00,000 / 850 = ₹117.6.
Frequently Asked Questions
How is mutual fund NAV calculated?
NAV = (Total Assets of Fund − Liabilities) ÷ Number of Units Outstanding. It's calculated daily after market close by the fund house. When you invest ₹10,000 in a fund with NAV ₹50, you get 200 units. If NAV rises to ₹65, your investment is worth ₹13,000 (200 × ₹65).
Can I buy mutual funds at the current day's NAV?
Purchases submitted before 3 PM on a business day get that day's NAV. After 3 PM: next business day's NAV. For liquid funds: 1:30 PM cutoff. SEBI introduced T+1 NAV for cut-off times on equity and other funds — verify with your fund house.
Does higher NAV mean an expensive fund?
No. High NAV doesn't mean the fund is expensive. A fund with NAV ₹500 isn't more expensive than one with ₹50 — you buy fewer units but the proportional return is the same. Never choose between funds based on NAV — compare returns, expense ratio, and portfolio quality.
Is the NAV Calculator free?
Yes, completely free on CalcPhi.
Are my inputs stored?
No. Calculations run in your browser.
Is it mobile-friendly?
Yes. Works on all smartphones.