India were set a target of 181 runs but they could only score 177-5 despite Virat Kohli's first half-century of this England tour.
"Getting 17 runs off 6 balls is always difficult," said Dhoni after he finished unbeaten on 27 runs.
"I got a boundary off the first ball. There was pressure but there were two more balls I could have hit. It was just one of those days when I couldn't middle it. I got the toe end of the bat on the ball. You have to take the onus and take responsibility as well."
"Rayudu had just come in to bat. He is not someone who is used to batting at number six or seven and can hit the ball straightaway. He wasn't middling a lot of deliveries. So it was a better option for me to take all the strike and that's what I thought. But it didn't pay off," Dhoni said.
"I had decided before the start of the over that I will try to finish it. It is important to back yourself. Rayudu could also have done it but this is my strength and I took responsibility for it," he added.
"Yorkers are still a worry but it becomes difficult with difference of format. We had three spinners today so we couldn't scruff up the ball enough and it was tough for them. But it was also important for them to double bluff the batsmen when you cannot get the Yorkers right. Then you need to change your line and length but our bowlers didn't improvise today," Dhoni said.
India lost the Test series 1-3 and won the ODI series 3-1 before this T20I loss.
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