For all Auto-Invest orders, the money will be debited only from your ledger. If you have a Kotak trinity account which includes a Kotak Bank Account (i.e. Kotak 3-in-1 account) and have selected ‘auto-debit’ facility, your funds will be debited from the bank account the day your SIP order is due and will be added as margin in your ledger which will ultimately be used to place your order.