HDFC Bank — ACH deduction

Address: Ahemdabad

HDFC Bank — hdfc bank ach debit
I have a salary account with hdfc bank. I have started with mutual funds using auto-pay option. But i didn't have sufficient balance in mutal funds date so i have been charged ach debit return charges of rs 590 (6times) and total 3600Rs is deducted from my accoun on 15_06_2021

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 penalise so harshly for not having balance.

Hdfc bank has to return this money. There was no intimation from bank