State Bank Of India [SBI] — non clg. of cheque and refund of debit of rs 295

One big amount cheque was issued in favour of me by one of my close relative and i was submitted that cheque fulfilling all formalities on 24.5.18 at sbi/nagerbazar branch. But till date that amount was not credited in my account. Rather an amount of rs295 was debited from my account as non clg. Of that cheque. Now where is my fault? How i get back that rs295? How that big amount will be credited in my account? Who is responsible for this delay for which a sum of rs as a interest for 10 days which i won't get?