[Resolved]  HDFC Bank — ach debit return charge

My sip auto paytment date is 11 th of every month. But amount tried to debited from my account on 10 th of march. Due to insufficient balance payment not success and for this transaction hdfc bank debited 595 rs of penalty. If i dont maintain balance on 11 th of march which is tha actual paytment date i can accept tha penalty. But the mistake is not from my end and i lost my money.