Amazon India — samsung gear s3

Address:

110009

I purchased one smartwatch named samsung galaxy gear s3 which cost 19999 inr on 22nd may from amazon.in. But the product which is received was defective so i request amazon to either replace or refund the amount but according to amazon india replacement is not under their policy so they were ready to refund the amount, they picked up the product from my home and according to them refund was issued on 27 may 2019 in afternoon but the problem is nothing is credited in my account, i already talked to bank customer support and personally visit more than 2 times to bank even i already talked to bank manager also but nothing works for me, bank told me until n unless amazon don't provide the refund how can they will credit into my account, amazon provide me one reference number which is (Refund ref arn#:[protected] and i already show this thing to bank but still same situation, i tried to call amazon india several times but every time they told me it takes 24hrs and every time new person pick up my call and provide different solutions, i also send some mails to amazon regarding this issue but same answer all the time.
I'm totally frustrated now because i am bearing expense for product which i never used
Please try to sort my problem out because it's now 2 months from the time my refund was initiated
Regards : mitul