State Bank Of India [SBI] — lien amount issue in my account

Why my balance is showing zero and with lien amount 4343rs and negative balance as -2645rs and my actual balance is 1698rs. Every month they are deducting 15rs for not maintaining the balance, then why they are turned my balance to zero. I need to know what happens to my balance. Actually, my balance is 2600. But it deducted 955. Actually in a restaurant i swiped my card it showed rejected then i applied for new paywave debit card. But 955 debited from my account. Then from my friend card also it got debited we used both cards that day. But my balance is showing 0 now instead of 2600-995. What to do??? I got more tensed. What is this lien account? And why negative balance for me??? In online banking it is showing in net balance is 1698 then why it is unable to draw???