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ICICI Bank — rtn chg- insufficient funds

There has been a debit of 413/- from my account with the description as RTN CHG-INSUFFICIENT FUNDS.

Want to know the reason why ? As I was not intimated on the same earlier.
My salary account is in ICICI.

I have taken a car loan from SBI, which is dated on 10th of every month. This debit has been done on 11th March.

Not sure on what this is?
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