HDFC Bank — ACH Debit Return Charges

I have a Savings account with hdfc bank. I was charged "ach debit return charges of Rs.531 and Rs.531 is deducted from my account" on 29th June 2022.

I was never informed that this would be charged if autopay/ emandate gets failed. What are these charges for! Why are they so high. It is not a debt i have to pay. It was an autopay which i setuped for ease and convenience.

Hdcf bank has to return this money. There was no intimation from the bank on the consequences for failed Autopay nor it was informed while setting up autopay/emandate.

I'll 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 on the charges for the same. Heights of fraud. You must give me a warning that if the autopay gets failed you will be charged. Nothing was there.

Please please help me resolve this and return my money.