HDFC Bank — Personal Loan

I have a personal loan in HDFC Bank and my EMI is 25380 per month and my date of debit is the 7th of every month. On February 07, morning I had 25380 rs in my account. They have debited 649rs for AMB CHRG INCL GST from my EMI amount. The loan EMI is debited and put on hold. Now the bank has charged 649.87rs(manual hold charge) as an overdue charge. I didn't pay the overdue amount as that was not my problem. Again, on March 7th morning, I transferred the same EMI amount. The same problem was faced again. The amount 649 was debited from my EMI amount and now in my account, the amount is 24730.