HDFC Bank — request for reversal of minimum balance charges for auto pay of sip

Address:

Kalimandir

Hello
I have a salary account in your bank with Account no. [[protected]] in the name of [ Hathkar Manisha] . I have checked my account statement, you have been charged some charges from my account. I have started a SIP in mutual funds, due to some emergency, i was not able to maintain sufficient balance on the day of deduction and due to insufficient balance it got bounced . As this the first time, that got bounced or failed due to minimum balance . I have been charged ACH Debit Return Charges of Rs 590/- and 531 on 22 April 2024 is deducted from my account .
I have never been informed that this would be charged due to lack of funds, What are these charges for? Why are they so high. It is not a debt i have to pay. It is SIP. How can you inculcate habit of regular savings if you penalise so harshly for not having balance. I request you to return the amount as there was no intimation from the bank on the consequences of not keeping sip amount in account.

You must give me a warning that if funds are insufficient you will be charged. Nothing was there.

Please help me resolve this and return my money.