Indian Railways — refund haven't received

Address:Lucknow, Uttar Pradesh, 226001

Sir this is to inform you that i have not received refund of cancelled tickets tickets were cancelled before travel dayes and cancellation of tickets have been processed 15 days before and still refund not received
Pnr no is [protected]
Pnr no is [protected]
Please let me know the status on urgent basis
And payment was done by card while booking train tickets
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Train number 55303 not comes on time daily, thousand passenger have MST for one month to three month, its departure time from Moradabad is 6:30 but not departure on time, alway comes late 45 minutes to 80 minutes so our request is that this train should be departure on time after that we can reach on time to our duties.

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