Icici Direct — Multiple Deductions from the Account without any Notification

Multiple times within a month, amount has been deducted from the account with "NACH_AD_RTN_CHRG". What is this charge and why is this being deducted multiple times in a month?
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Also if I understand correctly from the various FAQs shared, this charge is deducted if there is not sufficient funds for auto debit of ICICI PRU insurance. But my concern is that I had already paid the premium amount in advance prior to the due date. Then why was auto debit enabled and this charge deducted?
Team, haven't received any resolution or update till now. Kindly help in resolving this.
I still haven't received any resolution or response on this.

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