Mutual Fund SIP's

Hi There, I wanted a suggestion from you:

Assume I have a 10 lakhs in bank savings account
I have also identified the mutual funds that I wanted to do SIP
I do not want to connect my bank account and do SIP because the fund may fetch only 3% from savings account till I replenish the SIP amount

Is there a better way to do SIP instead of from savings account?

Thanks in advance