Ctrazorpay — Money deducted without my authentication

Today ( i.e 12/12/2023 ) my money deducted from my federal bank account without my authenication i have checked my bank statement and it's showing :
CHRG/NACH RETURN/[protected]/CTRAZORPAY

And I don't have any idea why my money ( 295/- ) deducted from my account
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