Bajaj Auto — unnecessary penal charges

Address:

Tulsi Niwas,CP Road Bhatband, Purulia- 723101, Purulia, West Bengal, 723101

My EMI deduction date was 6th July 2019, the EMI had bounce due to some problem. Now today a I want to repay my EMI, so I give a missed call at "[protected]" so that I can can I know the amount which I need to pay.

They sent me this message-
"Thank you for contacting BFL. Your Loan No L2ADUR04811411, Jul'19 EMI status is BOUNCED. Current overdues Rs. 6724 (EMI Dues Rs.5072+ Penal charges Rs.1652), Foreclosure amount is Rs.35986.02 (valid till 31-Jul-2019). Click https://bit.ly/2uSHH8H to pay the dues."

I cannot understand that why in just 10 days I am being charged Rs.1652 penalty charge?
I checked the website of Bajaj auto finance, and I saw this there--

"If your presented installment is dishonored or bounced, you will be charged Rs.531 per bounce (Applicable for loans disbursed w.e.f. 1st Aug 2017) and Rs.413 per bounce for loans disbursed prior to 1st Aug 2017. Also, if the outstanding dues are not paid within the same month then 3% Late Payment Penalty (Plus applicable GST) will be charged on the outstanding installment dues per month."