Jammu & Kashmir Bank / J&k Bank — refund of amount illegally deducted

I being the customer of J&K Bank having account No. [protected] in Branch Sallar, Anantnag, have been charged Rs. 278/= on4th of January despite having maintained the requisite minimum balance. Further, I didn't receive any notice to deposit the money as to restore the minimum balance as mandated by the the banking guidelines (30 days notice is to be given before a penalty can be levied).
It is therefore impressed upon to credit my account with the money that was charged illegally, without following the due procedure, failing which i shall e constrained to file a complaint against you before the appropriate forum at your risk and responsibility.
Hope you will do the needful.

Regards
Irfan Ahmad Mir.
[protected].