Tvs Credit — Purchase of device

I bought a phone in emi with TVS credit have successfully paid my previous emi's so far, just having two more to go and my emi per month is Rs.1950, my last month due was not paid due to recent pendemic.. and it was just four days over due.. a customer support executive called yesterday and told me that I already have a penalty which is Rs.475 that I have to pay with my outstanding emi .. but my account was debited of Rs.177 two times consecutively as a cheque rebound penalty with a short time spand of four days.. My question is if TVS credit has already given me a penalty for the month where I did'nt pay in tine for the month than why are u sending my cheque for rebound consequently which is resulting in bank fine... The penalty is for the month right...