Bajaj Finserv — Unauthorized payment for bank bounce charge on previous date of my payment date

As per the norms, every month of 2nd, they will debited amount from my account, somehow in my account balance is not there, but payment date is on 02/03/2021, on 01/03/2021 why they took from my account bounce changes. if it's a 2nd of every month, they Bajaj is doing this kind of business. every month Bajaj debited my loan amount on 2nd, they why they try to debited the amount on previous date. is this the Bajaj business? i think is this way Bajaj Finserv cheating people.

people may don't have money on previous date, they took bounce charge on previous date. I want the money back which you deducted from my account for bank charges..and please do debited my loan amount on the day(02/03/2021) as per your company norms.