HDFC Bank — Emi rtn charges

Address:Gurgaon

My salary comes on 5 of every month. I have my salary acc in hdfc. I took consumer loan (financed washing machine) from hdfc bank. EMI day is 5th only. So last month i had to pay my first EMI. I thought It can b debited when I'll receive my salary as no time was specified to pay on 5th. So salary came in evening. EMI along with 531 rs late charges were debited. Now this month again around 400 is debited for that only ...as EMI rtn charges. Why is this one?
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