IndiaBulls — check bounce charges even i paid all emi's on time and not replying to my complaint

I took a personal loan in india bulls dhani. My due date is 2nd of every month and the tenure is 6 months. All my emi's are automatically deducted except one. I called the customer care on the due date by end of the day regarding this and the customer care executive guided me to pay it manually as there is a technical issue with app. I followed his directions and paid it manually. But they called me and said they tried to deduct the money on 5th that month and as there is no money in the account they are charging rs.350 as cheque bounce charges. If i don't pay that, it will effect my cibil. I explained how i paid the emi but they are still demanding the amount. By the way they did't collected any cheques from me. I have already complained regarding this but didn't recieved any reply. [protected] is my mobile number.