HDFC Bank — EMI RTN charges

I have HDFV salary account and got personal loan from hdfc bank.I have to pay every month emi 11023 but once i coudn't maintain balance in account by that deducted day morning but on the same day I deposited the required EMI amount by 11:00 am.Eventhough i was charged with overdue charge which is around 649. Now, after a month they charged me 236 rs for emi rtn charges. If i have already paid overdue charges then why hdfc is again charging with emi rtn charges.
And How can they charge overdue amount eventhough I arranged to maintain the balance by the deducted day morning 11:00 am.Atleast they should have to check for the EMI amount till the End of the day.
It's a very bad Experience which made me to regret to do not take loan in HDFC again.