SIPs are one of the most flexible and investor-friendly options for disciplined and regular investing. However, there are a lot of apprehensions about SIPs that are not true. The key thing to remember about SIPs is that, as an investor, you are always in charge, and you can control your investments the way you like. That said, of course, it would be in the interest of the investor to let an SIP operate in a pre-programmed way without much intervention from the investor for it to produce the best returns.

Now, to answer your question, it looks like you have started two SIPs—one 24 months back, and one recently—one for ₹5,000 and one for ₹10,000. Your first SIP will end next month (after the 24th instalment), and the money in that investment will stay there. It will not get credited to your bank account until you ask for a redemption.

Your second SIP will continue, it appears, for 960 more instalments (or 80 years). It looks like it’s a perpetual SIP programmed to run until the end of this century.

My advice to you would be this. If you like the scheme that you have an SIP for, let your ₹10,000 SIP continue. If you can invest ₹15,000 a month, please do so, but by choosing two or three mutual funds outside of your first fund.