National Saving Certificate — Nsc maturity cheque returned with reason insufficient funds

Address:

403802

My nsc"s amounting rs.49000/- issued by vasco da gama-goa post office on 20.03.2010 were matured on 20.03.2016.
The maturity amount of rs, 78449/- given to me by a cheque no.384914 drawn on sbi margao-goa branch on 31.03.2016
By vasco da gama -goa post office which i deposited on 31.03.2031 in my bank account with bank of india, vascodagama branch.
But to my surprise the cheque was returned on 02.04.2016 by sbi with a reason insufficient funds.
Cheque returned charges of rs.101.90 debited to my sb account.