Insurance premium deducted even after Policy grace period over

I have taken TATA AIA policy from HDFC on Sep 2017. Here HDFC Bank worked as my Agent considering your tie up with TATA AIA. I could not see benefit so decided not to pay 2nd premium which was due on 14/09/2018. I had got so many calls from TATA AIA Customer care about paying premium amount butI clearly informed that I am going to surrender this policy. Even customer care explained me the process of policy surrender but because of work I could not do it. Surprisingly on 30/10/2018after 45 days of due date from my HDFC account got deducted for Rs.36810 as a premium for this policy. When I contacted HDFC Bank they are saying standing instructions were there so amount got deducted but I was not aware about it. Policy document clearly says thatif premium is not paid within 30 days of grace period from due date then policy will be lapsed, then why money deducted after 45 days without my permission/information? I AM NOT HAPPY WITH THE WAY I TREATED FROM HDFC & TATA AIA. IT SEEMS SOMETHING SUSPICIOUS. Below is the text copied from policy document : - 3.1.5.4 Default After payment of the first premium, failure to pay a subsequent premium on or before its due date will constitute a default in premium payment. 3.1.5.5. Grace period A Grace Period of fifteen (15) days for monthly mode and thirty (30) days for all other modes, from the due date will be allowed for payment of each subsequent premium. The Policy will remain in-force during this period.If any premium remains unpaid at the end of its Grace Period, the Policy shall lapse and have no further value except as may be provided under the Non-Forfeiture Provisions. If any claim occurs during the grace period, the death claim shall be paid after deducting any due premium (without Interest) before settlement. 4.2. Revival If a premium is in default beyond the Grace Period and subject to the Policy not having been surrendered, it may be revived, in accordance with prevailing Underwriting Guidelines duly approved by the Boar d within two years after the due date of the first unpaid premium and before Maturity subject to: (i) Your written application for revival; (ii) production of Insured’s current health certificate and other evidence of insurability satisfactory to Us; (iii) payment of all overdue premiums with interest. Interest on premiums will be compounded at an annual rate which we shall determine. Any evidence of insurability requested at the time of revival will be based on the prevailing Underwriting Guidelines duly approved by the Board. The applicable interest rate for revival is determined using the SBI domestic term deposit rate (for tenure ‘1 year to less than 2 years’), plus 2%. Any alteration in the formula will be subject to prior approval of IRDA of India.