Instead of auto ECS, do the manual payment.
I am using Coin (by Zerodha), here you get 2 options:
- Manual reminder before sip due date
so In the manual reminder, you have the flexibility to check if you want to invest right now or wait sometime before payment.
Also, there are some banks (e.g.: Jupiter) that do not charge any fees in case payment is missed due to insufficient balance (haven't verified but saw some promotions around this).
You can decide from both method, which one is more suitable for you.