HDFC Bank — Regarding unwanted fine.

Have a salary account with hdfc bank. I have started with sip in mutual funds (Groww) 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 40.38 are deducted from my account on 23 Nov 2022.
Please help me regarding this issue.
how a bank can charge any money without any notification or information, i want my money bank also i will cancel the autopay service, also if required i will close the account in hdfc just because of their poor customer service.