HDFC Bank — Bank deducted amount without any knowledge of customer

When my account has been opening in bank. Bank member said that this is zero balane account. So, due to panademic my account balance might be below 1000 but it was not null.

Now bank charged non maintenance fees. But why bank charged, if account was of zero balance account?

It is totally fraud.
.
Give me explanation and regund my amount.
It is totally disgusting behavior.