IDBI Bank — Saving bank a/c

Address:

Dhanbad, Jharkhand, 826001

I had a saving bank a/c in idbi bank started with 0 bal. qualification.
futher after a year co. send msg in my no. that minimum 5000/- bal is required in ur a/c . At the same time have a major accident due to that i haven't check any such msg because i was on bad for 6 months . when i check after 6 month the co. charged 1200 rs as penalty. im a student & not being able to pay such charges how it could be soughed out