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Indian Banking Law : I have two questions regarding cheque return.?

• Fact: I have a joint Savings Account with HDFC Bank, where any one of the account holders is empowered to issue cheque and withdraw fund. Where, the other account holder from the said account issued two cheques to me That got returned, when presented in my (another) bank account, due to insufficient fund. So the HDFC Bank charged Rs. 350/- each from said joint account for two bouncing first, And (after 10 days), also charged some amount for Service Tax and Education Cess on the return charges. So my questions are: (1) How HDFC bank has decided that they can levy Rs. 350 as return charge but not more or less amount, what RBI Guideline about this? (2) (a) In similar cases, I have observed, other banks only charge respective return charge but not the "service tax" or "education cess" on the charged amount but WHY HDFC is different here? I.e. charging "service tax" or "education cess” also?

• Answer:

  maybe in the future you should get your heart right and stop worrying over nonsense like this. family and friends are more important than your current issues. stop worrying about it....it will be alright.