HDFC Bank — hdfc debit of large amount which has not informed before

Address:

chhatarpur mp, Chhatarpur, Madhya Pradesh, 471001

Dear sir/mam myself vikas soni and i have a salary account with hdfc bank where my account no is '[protected]' I had started with sip in mutual funds of rs 1000/- 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 590/- on 23/03/2020

I have called customer care and they told me that this amount is deducted because of payment bounce.

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.
If sip investment started with rs 1000/- and due to insufficient balance they charged rs 590/- where they haven't informed before this is not good with the customer.
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.