[Resolved]  IndiaBulls — EMI is deducting but after 10days NACH dishonoured

I have problem with indiabulls Dhani creditline. i got creditline amount of 5150/- and my loan agreement number is IDHADEL09419911, My monthly EMI is 120/- only. My problem is, on 5th of every month 120/- debited from my account. but for last three months i got message from SBI that Your NACH is dishonored because of insufficient funds but I Maintain sufficient funds. and i opened Dhani app it is showing total amount payable is 472/- rupees. i Contacted Indiabulls regarding this issue through Mail several times and contacted customer support team so many times. i am not getting any help with them. I am paying them 120+295+472=887 rupees for two months.
My CIBIL is getting influenced with this problem almost 60 points reduced this month.