Indian Railway Catering & Tourism Corporation [IRCTC] — No refund for 3hrs late train, TDR filed, STATUS: CR REPUDIATE

Dear sir,
Subject- STATUS: CR REPUDIATE (TDR filled, Rejected/No refund received)
My train 22404 was scheduled for 31 jul 2023, dep. 04:38 from VGLB to BPL, NDLS PDY SF EXP (22404), PNR: [protected]. About 04:16 am, I came to know through IRCTC text message (Train late by 03:16 hrs) and through online mediums also that train was running late more than 3 hrs. So I decided to not to opt this train journey as I may got so late and could not reach my destination within time. And I filled TDR on 04:51 am with reason "Train delayed more than three hours and all passengers not travelled" . After few days I came to know my TDR status "STATUS: CR REPUDIATE" .
It seems I will get no refunds, I want to know, why. Even with valid reasons, even after getting disturbed and getting financial and either losses due to this train delay, I am unable to get refund also. Its really bad.
Please help me out, At least PROVIDE REFUND