HDFC Bank loan — Cheque bounce amount

Address: Hyderabad, Andhra Pradesh, 500085

Hi my hdfc loan account number is 27385933 I paid all the emis but they kept my account active they haven't closed when I called to bank they said there is pending amount of Rs 650 about cheque bounce there is reason for the cheque bounce they haven't given me message and intimated me about that for that month Emi even if it is a cheque bounce the amount is too much they haven't given me loan for free they took the intrest so tell me to pay that amount or there any solution for this thanking u