State Bank Of India [SBI] — unjustified credit card charges

Address:

Hyderabad, Andhra Pradesh, 500046

This is vinil kumar with sbi signature credit card number ending with 4304. I missed the payment of 40 rupees on a total billed amount of 2, 64, 767/- on my sbi signature card i. E i have paid 2, 64, 727/- for the month of august 2017 statement. The credit card department has charged me a hefty penalty amount as overdraft charges as below:

Fin charge on retail (Excl tax 2226.06) = 12, 366.96 /-
Total integrated tax db for curr stmt = 2, 243.88 /-

Is this penalty amount justified for 40 rupees miss? I am asking sbi management to resolve my issue at the earliest.

When i called the customer care, they were saying that they will reverse the charges once i pay the overdraft charges before. But how can i pay so much before hand as i will get my salary on 30th of every month and i am not in a position to pay so much early.

Attached the credit card statement.