Financial institutions imposing bounce charges / late payment fees.

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I availed housing loan from one of the reputed financial institution & during all my adverse conditions also repaying the monthly EMI without fail. It is regretd that Govt has no control over private sector employers resulting delay in paying their monthly wages / salary payable towards the employees. 

Private sector employees are always neglected, even though the highest percentage tax revenue is generated by these private sector employees even in their scanty wages/salaries.

I have been imposed ₹ 71000 as late payment fees by HDB financial services, which is unjustified. More importantly when these financial institutions are charging so high rate of interest on per day / per month basis, why these bounce charges are imposed ?

I would request all concerned Govt Authorities, RBI Governer to tighten all such financial institutions.