An auto-pay (e-mandate) is required to automate your investments. Invest the Change is a feature through which you will keep investing every time your spare change gets accumulated to the selected threshold (Rs 100 to Rs.500, based on the investment requirement of the fund you have selected). Every time this happens, we need to send your bank a request to debit this amount and send it to the Mutual Fund company to invest in it. The only way this can be automatically done is through an auto-pay (e-mandate).