HDFC Bank — EMI RTN charges deducted one day prior of loan EMI date

Address:

Dharwad

My HDFC loan EMI ₹26, 520 due on 7th of every month and i do know if i don't maintain balance check will bounce. Once, EMI recovered, HDFC will charge ₹531 that's fair enough.

On 5th Dec 2022 i have maintained balance on my account ₹26, 628.
Thinking EMI will deduct on 7th Dec and i have maintained the balance.

But, On 6th Dec 2022 without my knowledge HDFC deducts ₹236 as EMI RTN CHARGES which makes my balance as ₹26, 392.

On EMI due date 7th Dec 2022 HDFC bounces the check as not sufficient balance. So, The transaction made on 6th Dec makes ₹128 shortfall for EMI. This is not my mistake its solely HDFC has to rethink not to deduct any charges prior EMI due date or proactively inform the customer about the charges.

And On 14th Dec 2022 HDFC recovers ₹531 as overdue loan. Which is correct since check is bounced. But question is who is responsible for that ₹236 transaction that made ₹128 shortfall for EMI.