ICICI Bank — Amount being debited from my account

Why my amount was deducted with random amounts. Why i am getting all charges from my account? I asked about HDB and told me they authorized to deduct only loan amount, not any other charges. So, i move to call customer care number icici bank. The ivr wanted me to enter my details so fast and then I'm told this is the charge for late fee should it be 2500/- ??? Or 1300/- ??? Every month.
You can't keep single penny in your account ??
I need to know about the charges please help. And why you will charges like these under the name of "NACH_AD_RTN_CHRG_HDBFIN" .

Please stop all these.