Bajaj Finance — My amount debited

Address:

1-80 nacharam uppal hydrabad

I have a no cost emi in bajaj fianace and the EMI deducted 2th of every month. In July 2022 I have sufficient balance in my Account at given EMI date But due to holidays bank didn't deducted EMI at same day. After that Bank of India deducted NACH RTN charges Rs 295 at 2th JULY. This was also happened in june Why Bank deducted these Charges while my account has sufficient balance both time.