Historical NAV of Mutual Funds: How to Check It in 2026

People often check their investing app, see their fund in red, and decide it was a bad choice. They never check where its NAV actually stood a year or three years ago.

The red number on the app is one day's move. Historical NAV tells you the full story. So let's get it from the source, then do the math properly.

The free, official place to check the historical NAV of mutual funds in India is AMFI's NAV History page. You can look up one scheme's NAV on any past date, pull a whole date range, or compare two dates.

If you want a downloadable file, AMFI's NAV Download page gives you a text file covering up to 90 days per request. For anything before about April 2006, go to the fund house's own website.

Where to find historical NAV of mutual funds: at a glance

How to check a mutual fund's NAV on a past date with AMFI

1. Open AMFI's NAV History page.
2. Choose one of the five options: NAV on a given date, all NAVs for a date, historical NAV for a period, high/low NAV by month or year, or compare a scheme's NAV on two dates.
3. Select the fund house, then the exact scheme. Check the plan carefully. Direct and Regular plans have different NAVs because the Direct plan's lower expense ratio lets its NAV grow faster. Growth and IDCW (Income Distribution cum Capital Withdrawal, the new name for the dividend option) have different NAVs too.
4. Enter the date or date range and submit.
5. If the date was a holiday or weekend, no NAV will show. Use the last trading day before it.

The option to compare a scheme's NAV on two dates is perhaps the most useful. Put in the day you started investing and the latest date, and you have everything you need to do the math.

How to download a full NAV history when AMFI caps you at 90 days

The NAV Download page gives historical NAVs as a text file, up to 90 days per request.

1. Pick your scheme and a 90-day window, say 1 January to 31 March.
2. Download the file, then move the window forward to the next 90 days and download again.
3. Open each file in Excel or Google Sheets (import as delimited text) and paste them into one sheet.
4. Sort by date and remove duplicate rows where the windows overlap.

The math: three years is about 1,096 days, so roughly 13 downloads. A full history back to April 2006 is about 7,500 days, which works out to about 84 downloads. If you need that much, the AMC's own NAV history page is usually much faster.

⚠️ Watch out: AMFI's page says the NAV download in the old format has been discontinued. If a spreadsheet tool, GitHub scraper or bookmarked link) suddenly returns nothing, that's probably why.

NAVs before 2006, or gaps in AMFI's data: use the AMC site

AMFI's history goes back to about 3 April 2006. For older NAVs, or if a scheme has gaps, go straight to the fund house. Every AMC has to publish NAVs on its own site as well as on AMFI's.

If you're unsure of the AMC's official website, SEBI's list of registered mutual funds is the safe place to start. It keeps you away from look-alike sites.

The NAVs to track for taxation: your own transaction NAVs

Your Consolidated Account Statement (CAS) and your AMC's capital gains statement list every purchase, SIP instalment and redemption with its NAV. You can get these from the AMC or the registrar. MFCentral (investor portal run by CAMS and KFintech) also shows statements across fund houses. Use those numbers for your ITR rather than picking NAVs from a website.

Why the NAV on your app doesn't match AMFI (yet)

Usually it's timing, not an error. Under a SEBI circular from March 2023, in force since 1 July 2023, the deadlines are:

So if you hold an international fund of funds and check at 9 pm on a trading day, you're looking at the previous business day's NAV. That day's figure isn't due until 10 am the next morning. Apps also refresh on their own schedule, so treat AMFI as the reference.

Computing historical NAV into real returns

The numbers below are for illustration only, not a real fund.

The math: Say your fund's NAV was ₹42.50 on 24 October 2023 and ₹58.10 on 23 October 2026.

• Absolute return = (58.10 ÷ 42.50) − 1 = 36.7% over three years.
• CAGR (compounded annual growth rate, the yearly rate that gets you from start to end) = (58.10 ÷ 42.50)1/3 − 1 ≈ 11.0% a year
• Fall from peak: if AMFI's high/low option shows a 52-week high NAV of ₹64.00, you're (1 − 58.10 ÷ 64.00) ≈ 9.2% below the top

Look at those together and the picture changes. A fund that's 9% off its high has still compounded at about 11% a year for you. That's what you need to consider.

However, this straightforward math works only for lump sum investments. A SIP buys at many different NAVs, so its true return is the XIRR (a return that accounts for each instalment's date), which your CAS or app works out.

Also, an IDCW plan's NAV drops on the payout date by roughly the amount paid out. Compare Growth plan NAVs, or you'll understate returns.

The 31 January 2018 NAV and your capital gains tax

If you bought equity fund units before 1 February 2018, the gains made up to 31 January 2018 are grandfathered. You don’t pay tax on them. Your cost for long-term gains is the higher of (a) your actual purchase price, or (b) the lower of the 31 January 2018 NAV and your sale price.

Example: bought at ₹100, NAV on 31 January 2018 was ₹155, sold at ₹186. The lower of 155 and 186 is 155, which is higher than 100, so your cost is ₹155. Taxable gain: ₹31, not ₹86.

This rule sits in section 90(7) of the Income-tax Act, 2025.

Look up the 31 January 2018 NAV with AMFI's NAV History tool, or take it from your AMC's capital gains statement. You report it in the capital gains schedule (Schedule 112A) of your ITR.

⚠️ Watch out: Since 23 July 2024, equity LTCG tax has been 12.5% on long-term gains above ₹1.25 lakh a year. Also, the new Income-tax Act, 2025 took effect on 1 April 2026, and the tax now sits in section 198.

Using historical NAV for SWP planning

An SWP (Systematic Withdrawal Plan) redeems a fixed rupee amount from your fund every month. The number of units sold depends on that day's NAV, and this is where history becomes useful.

The math: withdrawing ₹20,000 a month at a NAV of ₹58.10 sells about 344 units. If the NAV falls to ₹50, the same ₹20,000 sells 400 units, about 16% more of your holding gone for the same cash.

Before you set up an SWP, pull five or more years of NAVs and find the worst stretch the fund has had. If your withdrawals would have run your units down too fast during that stretch, lower the amount. Or keep a year of withdrawals in a liquid fund (a low-risk debt fund for parking cash), so you aren’t selling equity in a bad month like October 2026.

My NAV fell in October 2026. Should I stop my SIP?

It can be tempting. Watching money you put in shrink feels bad, and that reaction is normal. However, if your SIP money really is long-term money, don't stop it because the NAV fell.

A lower NAV means each ₹5,000 instalment buys more units. At ₹50 instead of ₹58.10, you get 100 units instead of about 86. If you want it to run without you stepping in, here's how to automate your SIP.

If a market drop makes you need to redeem, the real problem isn't the NAV. It's the missing cushion. Build an emergency fund first. If you have a credit card balance at 36–48% a year interest, no fund will out-earn that. Clear that debt first.

For spreadsheet and code people

If you track many funds, you can use the free unofficial options: mfapi.in (a free JSON API covering 10,000+ schemes), Kaggle datasets with tens of millions of NAV rows since 2006, and various GitHub scrapers.

They're handy. But they aren't official; some have gaps, and older tools may still use AMFI's discontinued format. For anything tax-related, check the figure against AMFI or your AMC.

So, which source should you use?

Use AMFI's NAV History page for 90% of what you need. That covers a NAV on a past date, a two-date comparison or the 31 January 2018 figure. For a long full history, go to your AMC's site. For tax, use your own capital gains statement, because those are the NAVs the taxman cares about.

Take two NAVs, a calculator and five minutes. You'll know more about how your fund is really doing than any red number on an app can tell you.

For more plain-language money guides, the Monzy blog home is where we keep them.

FAQs about mutual funds historical NAV

Where can I check the historical NAV of a mutual fund for free?

Use AMFI's NAV History page. You can see a scheme's NAV on a specific date, all NAVs for a date, a full period, the monthly or yearly high and low, or a comparison of two dates. It's free, official and needs no login. For NAVs from before April 2006, use the fund house's own website.

How do I find my fund's NAV on 31 January 2018 for tax?

Pick the “NAV on a given date” option on AMFI's NAV History page, choose your scheme and plan, and enter 31 January 2018 as the date. Your AMC's capital gains statement also shows this grandfathered NAV.

Why is the NAV on my investing app different from AMFI?

Usually it's timing. Most schemes must publish NAV by 11 pm on the trading day. Funds of funds and schemes with at least 80% of assets overseas have until 10 am the next business day, and commodity-derivative schemes until 9 am. Apps also refresh on their own schedule. Also check you're looking at the same plan, because Direct, Regular, Growth and IDCW plans all have different NAVs.

How do I calculate mutual fund returns from two NAVs?

Absolute return is (end NAV ÷ start NAV) − 1. For an annual figure, CAGR is (end NAV ÷ start NAV) raised to the power 1/years, minus 1. For example, ₹42.50 to ₹58.10 over three years is a 36.7% absolute return, or about 11% a year. For SIPs, use XIRR, because each instalment buys at a different NAV.

Why do old AMFI NAV download links and Excel tools no longer work?

AMFI has moved to a new website, and the old NAV download format has been discontinued. Spreadsheet tools, scrapers and bookmarks built on the old links may now return nothing. Use the new pages at amfiindia.com/net-asset-value/nav-history and amfiindia.com/net-asset-value/nav-download.

Disclaimer

This is my honest read, not formal financial advice. I'm not your advisor, and before you act on anything big, especially tax filings or SWP amounts, run it past a professional. But this is exactly how I'd go about it.