I use Zerodha exclusively for mutual funds (Coin), where payments are made directly from my bank account, not through Zerodha funds. To cover the AMC charges, I try to maintain a balance in my Zerodha funds, but this amount is transferred back to my bank account during the quarterly settlement. The billing cycle for AMC charges is confusing, as I receive no notification when a payment is due. However, if the payment is delayed by even 20 days, I incur penalty charges. Is there any way to avoid this issue?