HDFC Bank — emi return charges

Address:

Pottathu parambil house, Kairali Nagar , Vellanikkara, Thrissur, Kerala, 680656

I have HDFC Salary Account and Taken personal loan from hdfc bank on 2017. i paid every month EMI of Rs.2009/- but Last Month it got Bounced due to insufficient Funds. I have paid the EMI on the same date with penality of 649/-. Today Bank has been charged me Amount of Rs.238/-for the check Returned. what is this charges and why bank behaving this type of movement to the Account Holder from 2014/-