HDFC Bank — Personal loan, RTN charges

Hi, Santhosh here. I have a personal loan[protected] in my HDFC salary account, Prashanth Nagar, Bangalore and I have been paying the EMI since January-2020. Due to the pandemic situation I couldn't able to maintain the EMI prior 1 day for the month May-2021. And that too I have credited the amount on the same day afternoon itself but still I have been charged overdue for that. And after 1 month that is on June-04-2021 again I have been charged RTN charges of 250. Since I have paid the overdue charges why this RTN charges unnecessarily I have to pay. I'm highly disappointed and dissatisfied with HDFC Bank for this reason. I had a very great opinion on them but they are ruining it day by day.