HDFC Bank — Loan manual hold charges Rs 6440/=

Address:

63A krishnanagar lucknow

I have availed gold loan from hdfc loan ac no 73023381 Rs 788600/= on which interest is debited on first of every month. Recently this loan has been renewed by me & margin money paid by me ( Rs 940000/= loan account[protected]. Its usual practice adopted by hdfc to send SMS ALERT for the interest to be debited from bank account. SMS ALERT for the month of jun 2021 was not sent this time to the borrower hence interest could not be debited on 1st jun 2021 &when I checked the bank account online & got to know regarding return of ECS mandate I immediately rushed my employee to deposit in my bank account Rs 10000/= on 1st jun 2021 itself. Today when I checked the bank statement online got to know that bank has deducted Rs 6440/= as loan manual hold charges loan account 73023381 though there was insufficient balance in my savings bank account hence returned. In this hard time of covid, it is not understood why bank authorities have debited such huge amount as bank charges in the form of loan manual hold charges which is totally unjustified since bank authorities failed to send SMS ALERT in addition to borrower deposited the money in bank account by cash Rs 10000 /= on same day. In view of same May I request you to kindly reverse the sane loan manual hold charges.
Dr anil chandani