Indian Railway Catering & Tourism Corporation [IRCTC] — not getting my refund amount to my respective bank account

I have cancelled my e-ticket,
Train no:22888 /humsafar express
From :ypr-kgp
Cancellation date:14th oct 2017
Pnr :[protected]
Transaction id:[protected]
Cancellation id/refund id:[protected]
It's showing refunded on 16th oct 2017 when checked in irctc in bank patmag.
Bt i have no account on any such bank.
Bt it's not refunded on the respective sbi account.
What should i do.?? Where to enquire for this???
Please convey the necessary details why it's not refunded to the account.
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Indian Railway Catering & Tourism Corporation [IRCTC] customer support has been notified about the posted complaint.
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I am Chintan Shah. i had booked ticket but i didn't get the berth as well not booked ticket and amount was deducted from my account. kindly check the matter
this is transaction id [protected]

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