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Bank Annual account maintenance charge

Hi guys
Me having 2 current account in state bank of Bikaner and Jaipur
Current account opening fee is Rs. 10,000 ( minimum balance rs 10,000)
My one account having Rs 13495 from 2004 ( Inactive)
and another one i was using daily to daily basis ( Active)

now when i inquired abt balance in inactive account
they told me account balance is nill
as yearly maintance is rs 550
so after 7 years 550 * 7 = 3850
deduction my account was like below minimum balance
and they deducted rs 2200 quarterly

now account is -23495 ( 13495 + 10000 ( security deposit)

is it wholely my fault
bcoz i dun remeember when i opened this account there was a clause of account maintance
bank not even notified me about this

please suggest me what can i do

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