HDFC Bank — negative balance in saving account due penalty charges

Address:

Alampally road Vikarabad, 501101

Sir I have a bank account in HDFC vikarabad branch. During my pregnancy I visited my mother house in Tamil Nadu state.When I visited back to my in-law house I to deposit money into my account but it is showing negative balance.I have read RBI guidelines that there is no negative balance in saving accountsaccounts due to penalty charges.