HDFC Bank — without intimation hdfc deducting amount frequently

Address:500032

I have hdfc sal account and get two wheeler loan from hdfc bank i paid every month emi 4938 but once i cant maintains balance in account that time bounce my emi and bank charge me bounce charges with taxes and after one month they charge me 236 re for emi rtn charges (already charged multiple times)what is this charges and what is related this charge without message hdfc always problem complaint service and we not choice for other bank sal account.
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    +91 22 2498 8484
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    Branch 542, Trade World, A Wing, Ground Floor, Senapati Bapat Marg, Lower Parel, Mumbai, Maharashtra, India - 400013
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