Unfair trade practice & deficiency in service - Levying overdue charges despite maintaining sufficient balance.

I have an active loan with Bajaj Finance Ltd (Loan No. P415PDD89132090). My EMI of Rs. 2422 was due on 02-10-2026 via auto-debit. On 30-09-2026, I received a reminder from the Opposite Party stating: “റിമൈൻഡർ! ലോൺ നമ്പർ P415PDD89132090 നുള്ള രൂ. 2422 തുകയുടെ ഇഎംഐ 02-10-2026 ന് അടയ്ക്കാനുണ്ട്. ചാർജുകൾ ഒഴിവാക്കാൻ STATE BANK OF INDIA അക്കൌണ്ട് 7422 ൽ ആവശ്യമായ തുക നിലനിർത്തുക...” As instructed, I maintained the full required amount in my SBI account well before the due date. 2. Deficiency in Service: Despite maintaining sufficient balance, the auto-pay was NOT deducted on 02-10-2026. This is not my fault. 02-10-2026 was Gandhi Jayanti, a national bank holiday, which is likely the reason for non-presentation of the NACH/auto-debit request by the Opposite Party. Now the Opposite Party is demanding Rs. 500 as an overdue penalty. And also they debited 2/- as overdue penalty or bouncing charge