HDFC Bank — Hdfc bank ach debit return charges-531rs, 590rs , 649rs ( 5 times)

Address: 2245/47, Rajguru Marg, Bazar Sangatrashan, Aram Bagh, Paharganj, New Delhi, Delhi 110055

I have a saving account with hdfc bank. I have started with sip in mutual funds (Phone pay app) using auto-pay option. But i didn't have sufficient balance in sip date so i have been charged ach debit return charges of rs 531rs (, 590rs, 649 rs (5 times) and total 4366 rs is deducted from my account and now my balance is showing -3255 rs on 17/12/2021.

I have called customer care and they are putting me on hold for some minutes and after that call disconnect.

I have never been informed that this would be charged due to lack of funds. What are these charges for! Why are they so high. It is not a debt i have to pay. It is sip. How can you inculcate habit of regular savings if you penalise so harshly for not having balance.

Hdfc bank has to return this money. There was no intimation from the bank on the consequences of not keeping sip amount in account.

Please help me resolve this. People are losing trust in public banks and now these banks also!!!. Although it doesn't make a difference to hdfc bank for sure, but i will close my account if it is not returned. If auto debiting is a service you provide as a bank, then it is your duty to inform me of the charges for the same. Heights of fraud. You must give me a warning that if funds are insufficient you will be charged. Nothing was there.

Please please help me resolve this and return my money.