What to do if Bank is paying less than Maturity amount ?

I had a rd a/c in ubi which was linked to my salary account .per month 10000 rupees .due date 14th of every month .the bank deducted money abruptly sometimes date was24th or 28th .when I claim maturity amount i saw there is lesser amount than the maturity. the bank said you did not deposit money before due date of every month so plenalty had been added .as the salary account was linked and there was sufficient balance in every month the answer found not satisfactory .while I asked again the manager about the penalty he insult me . I lodge a complain to consumer forum .in-between the bank manager transferred and a new manager came and he want to settle down the matter personally . My question is should I go with personal settlement or legal processes . 2nd question is ,is there any chance of punishment of former bank manager for insulting customer ? How far consumer court is active against bank ? My loss is 8k .I demand 70k as fine from bank for misbehave and showing false deduction .