[Resolved]  HDFC Bank — regarding refund of the interest collected for a non received loan dd

I availed a personal loan of 14 lakhs with hdfc which included a balance transfer of 6.8 lakhs to close existing axis bank loan. Hdfc has sent the amount via dd to my chennai address in march 2020. But due to the covid-19 pandemic lockdown, i got stuck at my native and could not collect the dd. I even tried contacting the bank and asked to send it to my native. After multiple conversations, they sent the dd to me by august, but the dd validity has expired. Again they asked me to raise a request for a new dd, and then finally handed it to me in august 2nd week.
But the emi/interest has been debited for the months may, june and july for the dd amount also. When i contacted them, initially they told to check with the manager for refund, but now saying refund is not possible. Why should i bear the charges, when the whole amount was within hdfc before being handed over to me.