IDBI Bank — Charged by ACH RTN

Yesterday i had to pay due so i maintained a correct balance with 200 extra rupees, but yesterday IDBI bank debited 590 rupees for RTN charges Why? It's not a small amount. Because of this, I have to pay an extra amount. If I am not using a check, then why are they charging for that? It's not fair. Just have some ethics or learn it.
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