Standing Instruction (SI) Kya Hota Hai? Bank Me Kaise Kaam Karta Hai? (2026 Guide)

 

Standing Instruction (SI) kya hota hai?

Standing Instruction ek automatic payment instruction hota hai jo bank kisi specific date par kisi service/party ko paisa transfer karta hai. Ye EMI, SIP, Insurance, Rent, Fees ya Recurring payments ke liye use hota hai.

SI ke types

✔ Fixed amount SI
✔ Variable amount SI
✔ Intra-bank SI
✔ Inter-bank SI

SI me kya kaam hota hai?

✔ Manual login nahi

✔ Payment time par
✔ Miss penalty avoid

✔ Auto debit hota

SI vs NACH/ECS Difference

Feature	SI	NACH/ECS
Initiator	Bank	Merchant
Control	User	Merchant
Use Case	SIP/Fees	EMI/Billing
Mode	Internal	Inter-bank

Where SI is used

✔ Mutual Fund SIP
✔ Recurring deposit
✔ Tuition/School fees
✔ Subscriptions (some cases)
✔ Rent transfer

SI Charges?

Bank wise vary — ₹0–₹50 per month (some free)

Cancel/Modify SI

✔ NetBanking
✔ App
✔ Branch

FAQ

Q: SI safe? → Yes
Q: SI EMI me? → Usually NACH better
Q: SI failure? → Balance low