HDFC Bank — AMB charge refund

Address:maharashtra

Hello
I have a saving account in your bank account no. [ [protected] ] in the name of PRASAD BABASAHEB MUNDE. I have checked my account statement, you have been charged lots of charges from my account. Why you charged?I have financial problem thats why, i did not maintain sufficient balance in last 3 months. I have been charged AMB Charges of Rs 2279/- in NOV 2023.
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. . How can you inculcate habit of regular savings if you penalise so harshly for not having balance., my situation is very low till time, please refund my amount i promise you next time i am maintain monthly balance so please refund my amount 2279 Rs.
Please refund these all charges.My situation is very low.
Below is my account details:

Account Branch : VISHRANTWADI

Address : GROUND FLOOR AND 2ND FLOOR, LANDMARK

BUILDING PLOT NO A-1 S NO 42, 43

CTS NO 203 OPPOSITE BIG BAZAAR.

City : PUNE 411015

State : MAHARASHTRA

OD Limit : 0.00

Currency : INR

Email : [protected]@GMAIL.COM

Cust ID :[protected]

Account No : [protected]

AMB charge:

22 NOv 2023

700.92 Rs

700.92 Rs

275.63 Rs

601.93 Rs

Total amount : 2279.04
Ref no .
MIR[protected]
MIR[protected]
MIR[protected]
MIR[protected]
I am belonging to poor family that was my savings. Please refund the deducted amount need the money for emergency in hospital.
In future i will maintain my bank balance please sir refund the amount.
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