Bajaj Finance — 885 rupees deducted NACH RTN charge ( 295 rupees each time ) bank not taking any responsibility

My 885 rupees got cheatingly deducted three times through my bank bank of india by bajaj finserv company . Bajaj says NACH RTN charges are done by the bank but the bank said they charged it and return it to bajaj finance . This is my hard earned money . Please return my money . Bajaj hit my bank account three times due to insufficient balance . How can they hit it three times . Please return my money