State Bank Of India [SBI] — deduction of charges due to bank clearing system

Address:Ludhiana, Punjab, 141401

I deposited a cheque of rs.3000 on dated[protected]. Due to some connectivity reasons (I. E. Next day was a holiday of 'holi' on dated[protected] under the code-84, the cheque was dishonours. Cheque failure is nor a part of my fault neither the person who issue the cheque.
And in that type of case there is no any deduction of charges is allowable by bank from the account holder.
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