SBI — Refund ECH/ACH return charge

Address:	JAIPUT VKIA ROAD NO. 17
Website:	sbi.in

I financed a bike and for some reason i was unable to pay 3 months EMI.
But i paid those EMI with penalty of 3400 lum sum through paytm after that i deposit some cash in SBI and they Hold my some amount same as 3400 for penalties.
my balance deducted in the name of ECH/ACH return charge that i already paid via paytm.
please refund my amount.
thanks