Indian Railway Catering & Tourism Corporation [IRCTC] — refund amount not received even after more than 10 days of cancellation

Recently 4 tickets have been cancelled from my account on IRCTC website.
Out of which all have the refund status stated as REFUNDED. But seen in my bank account only 2 tickets out of 4 are refunded with amount credited back to my bank account.

other 2 tickets noticed the amount is not credited yet to my bank account.
This is the issue. Cancellation has been done about 10 days back so far and amount not received.

Also noticed is that the payment gateway displayed for both of these 2 tickets is PAYTMAG.

Not sure if this the problem with the gateway but doesnt make any sense as the IRCTC has used it and the customer is not the worrier of this gateway issues. IRCTC has to look into this and settle the amount whatever.