HDFC Bank — ach debit return charges of 22420

I am very disappointed with hdfc bank as today on 16/05/2020 they have charged me rs. 22420 as due to corona condition when people are dying i was unable to maintain balance for my sip of rs. 11000. I have my salary account in this bank and i am using hdfc from my first salary. This very disappointed you have charged rs. 22420. If i were having that much of amount i could have payed rs. 11000 sip. I have saved it for come emergency. I still have faith in you, so kindly refund my rs. 22420 back in my account. There are total 38 transaction of rs. 590.