Bajaj Finserv — showing last email has bounced but account has sufficient cash. i need immediate solution

Address:	Nadia, West Bengal, 741234
Website:	bajajfinserv.in

Here is the problem related to my last due emi. The account number of loan account is-410ecf86767605.
Since 02 nd november 2018 was the last emi ecs date, i have checked the balance on 1st of nov and it was much higher to pay the loan amount.
Today i got a massage that my emi of rs. 4165 for loan has bounced and will be represented on 5 th november. Also they will charge 450 as bounce charge..
So, is that my fault to pay that 450?
I need a solution asap of this disgusting matter.