HDFC Bank — Regarding EMI RTN charges

Address:Nanjappa Layout, 3rd Main Road

I have been paying my entire EMI (HDFC Bank's)on time including my last EMI on 5th October 2021. Then how could they suddenly charged me Rs. 236/- on the name of EMI RTN charges that too on 28 oct without even prior notice or reason associated with it. They are doing it very incorrectly and had done it for the first time. I had been maintaining my account with sufficient funds atleast during the EMI dates then how can this happen?
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    +91 22 2498 8484
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    Branch 542, Trade World, A Wing, Ground Floor, Senapati Bapat Marg, Lower Parel, Mumbai, Maharashtra, India - 400013
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