Bank Of India — Bank Of India Nach rtn charge

Address:

Patia, Rout Sahi,751024

I have a Product Loan(TV) from Bajaj and the EMI deducted 2nd of every month.
In July month, at 2nd July 2023 EMI deducted from my account.
After the EMI Duduct also I have sufficient balance in my Account at given EMI date But Bank of India deducted NACH RTN charges Rs 295 at 3rd JULY 2023.
Bank deducted these Charges while my account has sufficient balance durind the EMI Period and after the EMI period also.