HDFC Bank — ecsrtnchg charges on educational loan

Sir,
As i have applied for moratorium scheme in my hdfc educational loan before due date and the loan number is 36793727. Then why should they hit my account for this ecsrtnchg charges.. Iam very disappointed in this covid-19 quarantine days there are so many peoples affected and beg for some money from others.in this situation u people are got my balance amount for some other charges. My account debited for rs.191.. I want to refund my amount to my account. Indian government announced that no need to charge that is emi is optional for customers to pay or do not have to pay for all banks for during this covid-19 pandemic days.. I have applied moratorium plan scheme for april and may but they debited charges on april month. I totally disappointed sir. Please take some action and refund it my account

Thanks
Iyyappan. M