HDFC Bank — Chandra M EMI RTn Charges

I have hdfc sal account and get car loan from hdfc bank i paid every month emi 14077 but once i coudn't maintains balance in account and that time i was charged with overdue charge which is around 530. Now, after four month they charge me 236 rs for emi rtn charges. If i have already paid overdue charges then why hdfc is again charging with emi rtn charges.
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