HDFC Bank — Abrupt charges deducted towards my EMI

Abruptly 650rs was deducted as overdue charges for the month March 2021 towards my EMI on 7th of every month . On 7th it was showing negative balance and I had deposited money on 7th itself and amount got automatically deducted, but still they deducted overdue amount of 650 rs . And on that again they deducted 236 rs as EMI RTN CHARGES. Please refund all these unnecessarily charges
bcz I had deposited my EMI on the given date itself and even they were deducted on the same day. Then what is this 650+236 penalty for ??

It's been 10 days since I sent a complaint mail to hdfc and crazy thing is, today hdfc closed my complaint stating that they called me and resolved the issue, but the truth is I dint get any call from customer care nor issue was resolved.

I hope you to look into the matter and refund my money considering that I had deposited EMI amount into my account on 7th date before 11:59 pm . And no where in the terms and conditions which was provided during loan sanction it is mentioned about trigger fine of 650rs nor about 236rs charge.