विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Thomas
Ramalingam Kalirajan11454 Answers |Ask - Follow
Mutual Funds, Financial Planning Expert - Answered on Sep 03, 2026
Asked on - Sep 02, 2026
Ant thing we can purchase from market by knowing the rate even for safety pin. You can purchase from anywhere in indie online the noted prices for share. Why the MF units are not possible to buy by seeing the prize or why it should not be online varying price for day. Not showing the price, Asset management can cheat the customer. SEBI is ineffective for controlling this cheating
Ans: Your question is very practical. The difference comes from how shares and mutual funds are structured.
» Why share prices are visible instantly
– A share is traded directly between buyers and sellers on a stock exchange.
– The exchange matches buy and sell orders continuously.
– Therefore, you can see the latest traded price.
– You can place an order at that displayed market price.
– The price can change many times during the day.
» Why mutual funds work differently
– A mutual fund unit is not traded like an ordinary share.
– You buy or redeem units from the mutual fund.
– The fund collects money from many investors.
– It then invests that money in securities.
– The value of all those investments changes during the day.
– The fund calculates its Net Asset Value, called NAV.
– NAV represents the value of one mutual fund unit.
– NAV is normally calculated after the market closes.
– Therefore, there is no continuously traded MF unit price.
» This does not mean the price is hidden
– Mutual fund NAVs are publicly available.
– The NAV is disclosed for every business day.
– Your transaction also receives units based on applicable NAV rules.
– The applicable NAV depends on transaction timing and fund realisation rules.
– Therefore, the NAV is not controlled by an individual agent.
» Why you cannot buy at the displayed NAV
– Suppose today's NAV is Rs.100.
– You cannot simply place an order at Rs.100.
– The final applicable NAV depends on the transaction rules.
– The fund must also receive the required money.
– This prevents investors from knowing the exact NAV beforehand.
– It also ensures fair treatment among all investors.
» Can an AMC cheat by changing NAV?
– An AMC cannot simply choose an arbitrary NAV.
– NAV is based on the value of underlying investments.
– Listed securities generally use market-based prices for valuation.
– Other securities follow prescribed valuation methods.
– Fund accounting and valuation processes are subject to regulatory requirements.
– There are also audits, trustees and regulatory oversight.
– So, the system has several checks.
» Your concern about transparency is still important
– Investors should clearly see the NAV and transaction details.
– They should also receive confirmation of their units.
– You can independently check the NAV against official disclosures.
– Your account statement should show units, NAV and transaction dates.
– Any unexplained difference should be questioned immediately.
» Where investors sometimes get confused
– The NAV seen on an app is not always your transaction NAV.
– The displayed NAV may belong to the previous business day.
– Your purchase may receive the next applicable NAV.
– This depends on transaction timing and applicable rules.
– Bank realisation can also affect the applicable NAV.
– This can make the transaction appear different from your expectation.
» Why a share and MF cannot have identical pricing
– A share represents ownership in one company.
– An MF unit represents a proportionate interest in a portfolio.
– The portfolio may contain hundreds of securities.
– Its value must first be calculated.
– The unit NAV is then determined.
– Hence, MF pricing naturally works differently from stock exchange pricing.
» What would improve your confidence
– Always check the official NAV after the business day.
– Compare it with your transaction statement.
– Check the number of units allotted.
– Check the transaction date and applicable NAV date.
– Keep your account statements safely.
– Raise a written complaint if figures do not match.
– Escalate the matter if the AMC does not resolve it.
» Final Insights
– Your demand for better transparency is quite reasonable.
– However, absence of intraday MF pricing does not itself mean cheating.
– Shares and mutual funds have fundamentally different transaction mechanisms.
– Mutual fund NAV is calculated from the underlying portfolio value.
– The important point is whether the disclosed NAV is correctly calculated.
– If you find a specific mismatch, preserve the transaction evidence.
– Then the issue can be examined much more precisely.
Best Regards,
K. Ramalingam, MBA, CFP,
AMFI-Registered MFD – ARN 4188
www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/
(more)
» Why share prices are visible instantly
– A share is traded directly between buyers and sellers on a stock exchange.
– The exchange matches buy and sell orders continuously.
– Therefore, you can see the latest traded price.
– You can place an order at that displayed market price.
– The price can change many times during the day.
» Why mutual funds work differently
– A mutual fund unit is not traded like an ordinary share.
– You buy or redeem units from the mutual fund.
– The fund collects money from many investors.
– It then invests that money in securities.
– The value of all those investments changes during the day.
– The fund calculates its Net Asset Value, called NAV.
– NAV represents the value of one mutual fund unit.
– NAV is normally calculated after the market closes.
– Therefore, there is no continuously traded MF unit price.
» This does not mean the price is hidden
– Mutual fund NAVs are publicly available.
– The NAV is disclosed for every business day.
– Your transaction also receives units based on applicable NAV rules.
– The applicable NAV depends on transaction timing and fund realisation rules.
– Therefore, the NAV is not controlled by an individual agent.
» Why you cannot buy at the displayed NAV
– Suppose today's NAV is Rs.100.
– You cannot simply place an order at Rs.100.
– The final applicable NAV depends on the transaction rules.
– The fund must also receive the required money.
– This prevents investors from knowing the exact NAV beforehand.
– It also ensures fair treatment among all investors.
» Can an AMC cheat by changing NAV?
– An AMC cannot simply choose an arbitrary NAV.
– NAV is based on the value of underlying investments.
– Listed securities generally use market-based prices for valuation.
– Other securities follow prescribed valuation methods.
– Fund accounting and valuation processes are subject to regulatory requirements.
– There are also audits, trustees and regulatory oversight.
– So, the system has several checks.
» Your concern about transparency is still important
– Investors should clearly see the NAV and transaction details.
– They should also receive confirmation of their units.
– You can independently check the NAV against official disclosures.
– Your account statement should show units, NAV and transaction dates.
– Any unexplained difference should be questioned immediately.
» Where investors sometimes get confused
– The NAV seen on an app is not always your transaction NAV.
– The displayed NAV may belong to the previous business day.
– Your purchase may receive the next applicable NAV.
– This depends on transaction timing and applicable rules.
– Bank realisation can also affect the applicable NAV.
– This can make the transaction appear different from your expectation.
» Why a share and MF cannot have identical pricing
– A share represents ownership in one company.
– An MF unit represents a proportionate interest in a portfolio.
– The portfolio may contain hundreds of securities.
– Its value must first be calculated.
– The unit NAV is then determined.
– Hence, MF pricing naturally works differently from stock exchange pricing.
» What would improve your confidence
– Always check the official NAV after the business day.
– Compare it with your transaction statement.
– Check the number of units allotted.
– Check the transaction date and applicable NAV date.
– Keep your account statements safely.
– Raise a written complaint if figures do not match.
– Escalate the matter if the AMC does not resolve it.
» Final Insights
– Your demand for better transparency is quite reasonable.
– However, absence of intraday MF pricing does not itself mean cheating.
– Shares and mutual funds have fundamentally different transaction mechanisms.
– Mutual fund NAV is calculated from the underlying portfolio value.
– The important point is whether the disclosed NAV is correctly calculated.
– If you find a specific mismatch, preserve the transaction evidence.
– Then the issue can be examined much more precisely.
Best Regards,
K. Ramalingam, MBA, CFP,
AMFI-Registered MFD – ARN 4188
www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/
Komal Jethmalani484 Answers |Ask - Follow
Dietician, Diabetes Expert - Answered on Dec 06, 2023
Asked on - Nov 30, 2023English
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