PaisaOrbit When your transaction actually gets processed often depends on what time of day you submit it. Quick reference for the common cut-offs.
Mutual funds — NAV applicability
| Transaction | Cut-off time | NAV applied |
|---|---|---|
| Equity/debt funds — purchase (non-liquid) | 3:00 PM | Same day, if funds are realized by cut-off; next business day otherwise |
| Liquid/overnight funds — purchase | 1:30 PM | Previous day's NAV if funds realized before cut-off |
| Redemption (most fund categories) | 3:00 PM | Same day if submitted before cut-off, else next business day |
These are the general SEBI-mandated cut-offs; some AMCs' own platforms apply a slightly earlier internal cut-off to guarantee same-day processing — check your specific fund house or platform.
Bank transfers
| Rail | Availability |
|---|---|
| UPI | 24×7×365, instant |
| IMPS | 24×7×365, instant |
| NEFT | 24×7×365 since December 2019 (half-hourly batches) |
| RTGS | 24×7×365 since December 2020, real-time |
All four major transfer rails now run round the clock, including weekends and holidays — there's no meaningful "bank transfer cut-off" left for domestic transfers, only per-transaction processing time (instant for UPI/IMPS/RTGS, up to ~30 minutes batching for NEFT).
Stock market
| Session | Timing (IST) |
|---|---|
| Pre-open session | 9:00 AM – 9:15 AM |
| Normal trading session | 9:15 AM – 3:30 PM |
| Closing session | 3:30 PM – 3:40 PM |
NSE and BSE both follow this schedule on trading days (Monday-Friday, excluding market holidays).