Bajaj Finance — emi payment deducted in my bank account and additional charges

I have a bank account in indian overseas bank, sholingur branch, my bank account number is [protected] the government has also announced that it will not withdraw money from the bank account due to the ongoing problem. I emailed the bajaj finance limited company and indian overseas bank about the payment of emi, and 02.04.2020, ecs/nach return charges of rs.117 deducted in my account, then, on 06.04.2020, ecs registration charges of rs. 118, deducted in my account, what is the reason for this amount deducted? I am humbly requested to take appropriate action.