This is with reference to your query on transaction. So as checked you have done an ECOM international transaction towards the merchant MACYS on 12/03/2022
TO ECM/2353/MACYS .COM \MACYS .CO -> 8,950.84.
Against the said transaction settlement taken by the merchant bank in 3 split settlements INR 1,775.59, INR 1,543.86 & INR 5,631.39 = 8950.84.
One of the transaction INR 5,631.39 matched with the transaction done on 12/03/2022 -> INR 8950.84 and the difference credited to your account as settlement difference.
Other 2 split settlement debited INR 1,775.59, INR 1,543.86 debited as VISA INT INW NIGL. Due to insufficient balance in the account, your account debited with the temporary overdraft. So the charge is related to temporary overdraft.