Mutual fund SIP: What happens when you miss your mutual fund SIP installment due to insufficient balance? Do you have to pay a penalty if you don t have money in your bank account to pay your SIP installment? If you can t afford to continue a SIP, should you pause it or exit — how can you make that decision? ET Wealth Online spoke to several experts to find out how to decide when to pause your SIP and when to stop it.