HDFC Bank — Amount deducted without my knowledge.

Dear Customer,

We observe from your e-mail that you seek clarification regarding the ECS return charges levied in the account. We are happy to help you with the information about the charges levied in the account.
What are the charges for ECS returned due to insufficient balance? In case of a returned ECS (Return in a month) the following charges are applicable:1st - Rs.450 + GST (Sr Citizen - Rs 400+GST) 2nd - Rs.500 + GST (Sr Citizen - Rs 450 + GST) 3rd onwards - Rs.550 + GST (Sr Citizen - Rs 500 + GST) In terms of Clearing guidelines, issued by RBI, the clear fund balance available in the account at the beginning of the day would be considered for ECS received in a clearing.
We note that in your said account, the clear fund's balance at the time of presentation of the said ECS was not sufficient to cover the ECS received in a clearing. Therefore, the ECS was returned due to insufficient funds, and the corresponding charges for ECS dishonor were levied on your account. We advise you to maintain sufficient clear funds balance in the account in the future, on the ECS date, to avoid the ACH return charges being levied to your account.
Kindly note that these charges attract Goods and Services Tax (GST) @ 18% as applicable. We advise you to maintain sufficient clear funds balance in the account in the future, on the ECS date, to avoid the ACH return charges being levied to your account.
Please click on the below link to view the charges applicable to your account. http://www.hdfcbank.com/personal/fees_charges/fees_charges

-Ajay, Service Manager
HDFC Bank Customer Assistance