HDFC Bank — ACH debit return charges

I have a savings account with HDFC bank. I have started with sip in mutual funds (Groww) using auto-pay option. But I didn't have sufficient balance in sip date so I have been charged ach debit return charges of Rs 590, 649, 649, 531 which is deducted from my account and now my balance is showing 2, 679.10 Rs on 22/01/2022.

I have called customer care and they told me that this amount is deducted because of payment bounce.

I have never been informed that this would be charged due to lack of funds. What are these charges for! Why are they so high. It is not a debt I have to pay. It is sip. How can you inculcate habit of regular savings if you penalize so harshly for not having balance.

HDFC bank has to return this money. There was no intimation from the bank on the consequences of not keeping sip amount in account. And I was not informed after the debit from my account via SMS or Email.

Please help me resolve this. People are losing trust in public banks and now these banks also!!!. Although it doesn't make a difference to HDFC bank for sure, but I will close my account if it is not returned. If auto debiting is a service you provide as a bank, then it is your duty to inform me of the charges for the same. Heights of fraud. You must give me a warning that if funds are insufficient you will be charged. Nothing was there.

Please help me resolve this and return my money.