State Bank Of India [SBI] — Unauthorised debit of Rs 47.30 from my loan account

Hi,

I have a personal loan in state bank of india
On 07 April 2023, sbi has debited the amount Rs.47.24 with the description of "FINE ARR ADJSTMNT" and the same is credited to loan account on 25 April 2023 with the description of "single sided repa irr amount recovered". Surprising to see why this recovery is made.
Again, on two dates 7 May 2023 and 7 June 2023 Rs 47.30 id deducted twice with the description of "FINE ARR ADJSTMNT" although I have paid all my EMI in time.

I did not get any information about this transaction. Kindly revert the debit to my personal loan or provide the reason for this transaction.Plz take a suitable action on my issue, plz revert me back as soon as possible, or else I have to take legal action against SBI.

Loan number - [protected]

Thanks,
Master Narayan