HDFC Bank — Debit return charges

I have a salary account with hdfc bank. I have started with sip in mutual funds (IND Money) using auto-pay option. Even though I had sufficient balance on sip date, I have been charged multiple - ach debit return charges of Rs.2419 (531+649+649+442+148) on the same day deducted from my account and now my balance is showing Rs.-148 on 26/12/2023.

I have never been informed that this would be charged . What are these charges for! Why are they so high. It is not a debt I have to pay. It is sip. How can we inculcate habit of regular savings if you penalise so harshly.

Hdfc bank has to return this money. There was no intimation from the bank. I didn't even receive any SMS alert regarding this deduction

Please help me resolve this. People are losing trust in public banks and now these banks also!!!. Although it doesn't make a difference to hdfc bank for sure, but i will close my account if it is not returned. If auto debiting is a service you provide as a bank, then it is your duty to inform me of the charges for the same. Heights of fraud.

Please help me resolve this and return my money.