Air India — flight ticket

I have booked tickets from delhi to kochi, but the tickets are not confirmed and money deducted from my bank account. I was only having that much money on my account and now they told me that tickets got cancelled. If i wait for getting refund it will take more than 21 days, so by that the amount will be very huge. It's making a really uncomfortable at this moment, a normal family like me can't afford this much of amount at a sudden time, so expecting some positive response from the respective company
Thank you