When you invest in mutual funds through FYERS, the time of order placement and fund type both impact when your units are allotted, when the NAV is applied, and how long it takes for redeemed amounts to reflect in your bank account. FYERS follows BSE Star MF and AMC-standard processing rules across all transactions.
Order Placement & Processing Timings on FYERS
- Orders placed before 2:30 PM are generally processed same-day.
- Orders placed after 2:30 PM are carried forward to the next business day.
- Orders on weekends or market holidays are queued for the next trading session.
Note: The applicable NAV is based on payment clearance and cut-off times, not just the time you place the order.
Settlement Timelines for Purchases & Redemptions
Unit Allotment (Purchases)
| Fund Type | Approx. Allotment Time |
|---|
| Equity mutual funds | T+2 to T+3 working days |
| Debt mutual funds | T+1 to T+2 working days |
| Liquid funds | T+1 working day |
| Overnight funds | Same-day (T+0), if order placed before 12:30 PM cut-off |
T = transaction day (based on payment credit, not order time). Units are credited to your Demat account only after the AMC and RTA confirm the allotment.
Redemption Payouts
| Fund Type | Approx. Credit Time |
|---|
| Equity funds | T+3 working days |
| Debt funds | T+1 to T+2 working days |
| Liquid funds | T+1 working day |
| Overnight funds | Same-day (T+0), if redeemed before 3:00 PM |
Redemption proceeds are credited directly to your registered bank account.
How is the Buy NAV Averaged for Multiple Investments?
When you invest in the same mutual fund scheme multiple times (SIP or one-time), FYERS calculates the average buy NAV using:
Average NAV = Total invested amount ÷ Total units allotted
This gives a transparent per-unit cost across your investments, updated automatically after every new transaction or redemption.
Example:
- ₹1,00,000 invested at NAV ₹10 = 10,000 units
- ₹2,00,000 invested at NAV ₹20 = 10,000 units
- Total: ₹3,00,000 ÷ 20,000 units = Averaged NAV ₹15
Your portfolio reflects this averaged NAV under each scheme.
For faster NAV allocation and quicker redemption credit, place your orders before the cut-off and use UPI or direct net banking. Always track your Order History in FYERS for real-time status.
What If...
| Scenario | Outcome |
|---|
| You invest at 2:15 PM | Processed the same day with same-day NAV (if payment clears in time). |
| You redeem on a Friday | Equity funds will be credited by Wednesday (T+3). |
| You place an order after 3:00 PM | Queued for next business day; NAV applied accordingly. |
| You use SIP and one-time | Both are included in average NAV calculations. |
| You switch between fund houses | You must redeem and invest afresh; switching is not supported across AMCs. |
| You haven’t received the redemption amount | Check Order History; bank holidays or AMC delays may apply. |
Last updated: 15 Sep 2025
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