Calendar Day Daily SIP (Early Access)
Schedule
1. When FOT (first instalment today) = false
The first debit will be done the next day after the day of registration, as shown below:
| SIP registration day | 1st instalment | 2nd instalment | 3rd instalment |
|---|---|---|---|
| Monday | Tuesday | Wednesday | Thursday |
| Tuesday | Wednesday | Thursday | Friday |
| Wednesday | Thursday | Friday | Saturday |
| Thursday | Friday | Saturday | Sunday |
| Friday | Saturday | Sunday | Monday |
| Saturday | Sunday | Monday | Tuesday |
| Sunday | Monday | Tuesday | Wednesday |
2. When FOT (first instalment today) = true
The first debit will be done on the day of registration:
| SIP registration day | 1st instalment | 2nd instalment | 3rd instalment |
|---|---|---|---|
| Monday | Monday | Tuesday | Wednesday |
| Tuesday | Tuesday | Wednesday | Thursday |
| Wednesday | Wednesday | Thursday | Friday |
| Thursday | Thursday | Friday | Saturday |
| Friday | Friday | Saturday | Sunday |
| Saturday | Saturday | Sunday | Monday |
| Sunday | Sunday | Monday | Tuesday |
API Reference
For API specifications, refer to:
https://fintechprimitives.com/docs/api/#create-a-purchase-plan
FAQs
Q. If Saturday and Sunday are bank holidays, will 3 debits happen on one day?
A. No.
Debits will still follow the schedule above.
However, settlement to AMC will occur on the next bank working day.
For example, debits for Friday, Saturday, and Sunday will all be settled on Monday.
Behavior is the same for both UPI Autopay and E-NACH.
Q. If the SIP is created today at 9 PM and FOT = false, when will the debit happen?
Below is the detailed UPI Autopay schedule:
| Time of SIP registration (T day) | Pre-debit notification (T day) | Debit by (T+1 day) |
|---|---|---|
| Between 8:00 AM to 4:00 PM | Within T+1 hour | Between 27-28 hours PM |
| Between 4.01 PM to 11:00 PM | Between 11:00 PM to 12:00 AM | Between 2:00 AM – 3:00 AM (T+2) |
| 11:59 PM | 12:00 AM – 1:00 AM (T+1) | 3:00 AM – 4:00 AM (T+2) |
Note: This schedule applies only to UPI Autopay.
For E-NACH, debit is expected within 24 hours, and there is no pre-debit notification.