Hello everyone, Can UPI autopay really simplify SIP payments in 2025? How do I activate it for my mutual funds?
I was had this question, so i looked into this because setting up UPI AutoPay for SIPs has become very popular in 2025. It makes your SIP payment easy since you don’t have to remember dates or approve payments manually. Once you give the standing instruction, the amount gets automatically deducted from your bank account on the SIP date.
How to Set Up UPI AutoPay for Mutual Fund SIP
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When you start a SIP through your AMC or mutual fund platform, you need to select UPI Mandate or AutoPay as the payment option.
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You have to give your UPI ID and the system will send a mandate request to your UPI app.
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First open your UPI app and check for the SIP debit mandate request. You will see the SIP amount, frequency and validity period.
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Now enter your UPI PIN one time for authorising the mandate. After this, no PIN will be needed every month.
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The amount will be deducted from your account and invested in your the mutual fund which you choose from the next SIP date.
Facts About UPI AutoPay for SIP
| Feature | Details |
|---|---|
| Max limit per debit | ₹1 lakh (as per NPCI rules in 2025) |
| Frequency supported | Daily, weekly, monthly, quarterly, half-yearly, yearly |
| Authentication | Only first time via UPI PIN; after that auto-debit |
| Supported apps | PhonePe, Google Pay, Paytm, BHIM, and most bank UPI apps |
| Charges | Usually zero cost for investors |
| Best for | SIPs, recurring mutual fund investments, insurance premiums, OTT bills |