1. Check if SIPs are linked to BillPay mandate or Oneclick mandate.
1.1 If SIPs are linked to Billpay mandate:
1.1.1 check the status of mandate, if approved then show no reason failure response.
1.1.2 If mandate status is uploaded, then show user to complete mandate registration steps depending on biller and bank.
1.2 If SIPs are linked to Oneclick mandate:
1.2.1 Show SIP deduction timeline (If the SIP is scheduled on a holiday (Sat, Sunday or a market off day), then it gets scheduled the next business day.
The SIP funds transfer process is automated. Billdesk sends SIP amounts/deductions & date to your Bank and transactions are processed by the Bank. Usually, deductions should happen on t or t+1 business day.)
1.2.2 If mandate approval date is within last 10 working days then tell Cm about transactions being scheduled in advance
1.2.3 If not within the scope of above then escalate to BSE and ask user to check with bank for any deduction processing failure