State Bank Of India [SBI] — Debited 1300/- for a insurance by a fraud manager

I have sent my spouse to SBI Bank in order to open bank account and she came back by being a victim of 1300 scam by SBI fraud manager. They had opened an Insurance with the premium of 1300/- by stating it as mandatory, ! What the hell is this.! In order to open bank account 1300/- per year why the hell someone has to pay and my spouse is fully covered with company insurance and life insurance and we really don’t need this fraudulent Insurance..! I need refund of 1300/- and cancellation of insurance as well as action against this fraudulent manager for forcing customers and looting them with insurance premium just to have lucrative commissions on the insurance premium which is kind of indirect begging/cheating from customers..! Shame on you SBI.. just revert asap by checking the attached screenshot for the transaction details