[Resolved]  HDFC Bank — hdfc bank levy of penal charges on negative balance

Address:

Mumbai City, Maharashtra

I had salary account in hdfc bank, after i left my job due to no salary credit for 3 months, my account turn to be normal saving account. And bank started to levy penalty for non maintenance of minimum balance and deducted my money.
But even after reaching zero balance in my account bank keeps on levying penalty and as of today my account shows negative balance (-10k).

But as per rbi guidlines.
Rbi/2014-15/308 dbr. Dir. Bc. No.47/13.03.00/2014-15
Annux - vi
Any bank can not levy penalty charges if balance reach zero as per rbi.

Now i want to close my account but still bank officials says to pay penalty
Before closing account otherwise penalty keeps on going