How to Check Your SIP Status

Log in to the fund house website or app with your PAN or folio number. The SIP section usually shows each registered SIP, its amount, date, start and end dates, and status.

This works well if all your SIPs are with one or two fund houses.

The registrars that handle most fund houses offer online portals, and they jointly run MF Central, which shows holdings and SIPs across fund houses in one place.

Our page on CAMS and KFintech explains how these work.

Each SIP instalment appears as a purchase in your account statement or consolidated account statement, with the date, amount, NAV and units. If an instalment is missing, the SIP may have failed that month.

Our page on the consolidated account statement explains how to request it.

Your bank statement shows every debit for SIPs, usually with the fund house or a payment aggregator name. If the money left your account, the instalment was most likely processed.

If the debit is missing on the expected date, check for a failed mandate or low balance.

If you invest through a distributor, they can check the status of all your SIPs and tell you if any have failed or ended. At Myfolios, we flag issues during periodic reviews.

Active or registered: the SIP is running and will debit on the scheduled date.

Paused: instalments are temporarily stopped and will restart automatically.

Ceased or cancelled: the SIP has been stopped permanently, by you or after repeated failures.

Expired or completed: the end date has passed.

Pending: registration or the mandate is still being processed.

SIPs run on a bank mandate, such as an auto-debit or UPI autopay. If the mandate is rejected or not yet approved, the SIP will not debit. You can check mandate status in your bank app, or with the fund house or registrar.

Our page on SIP autopay explains how mandates work.

• Not enough balance in the account on the debit date.
• Mandate not approved, expired or cancelled.
• Mandate limit lower than the SIP amount.
• Bank account closed or changed without updating the folio.
• Signature or name mismatch with bank records.

A single missed instalment usually does not cancel the SIP, though your bank may charge a fee. After several consecutive failures, the fund house may cancel the SIP.

Our post on what happens if you miss a SIP payment explains the details.

First, find the reason. If it was low balance, make sure funds are available before the next date. If it was a mandate issue, register a new mandate. If your bank account changed, update it in the folio and set up a new mandate.

Our post on updating your bank account walks through that process.

If a SIP has been cancelled, you cannot simply switch it back on. You will need to register a new SIP in the same fund. The old units stay in your folio.

Our post on restarting a SIP you stopped explains how.

Many failures happen because the SIP date falls before salary arrives. Choose a date one or two days after your income comes in.

Our page on the best SIP date explains how to pick one.

Write down each SIP: fund, amount, date, end date and the bank account it debits from. Check it against your bank statement once a quarter.

Our page on how to track your portfolio suggests a simple tracker.

Fraudsters sometimes send messages claiming your SIP has failed and asking you to click a link or share an OTP. Always check status through official apps and websites typed directly into your browser, never through links in unknown messages.

1. Open your bank statement and find the SIP debits for the last three months.
2. Match them with your SIP list: fund, amount and date.
3. Check that each instalment shows up in your account statement with units allotted.
4. Look for any SIPs nearing their end date and decide whether to renew.
5. Update your list if anything has changed.

This takes ten minutes and catches most problems early.

Many SIPs are registered with an end date. When it passes, the SIP stops, and the units stay invested. If your goal is still ahead, register a new SIP soon. Our post on what happens when a SIP tenure ends explains what to do next.

While checking status, you may want to change the amount or date. Some fund houses allow changes to an existing SIP; others need you to cancel and register a new one. If you start a new SIP, confirm the old one is fully cancelled so you are not debited twice. Our page on step-up SIP explains how to raise the amount automatically each year.

Fund houses send SIP confirmations and failure alerts by SMS and email. If your number or email has changed, you may miss them. Update your details so you hear about problems quickly.

• Check through fund house, registrar portals or MF Central.
• Confirm debits in your bank statement.
• Fix failures quickly: balance, mandate or bank details.
• Review all SIPs once a quarter.

We are distributors rather than investment advisers and we recommend no schemes. If a SIP has failed and you need help, get in touch.