Amazon — Refund after return

Website:

www.amazon.in

I have order a Mobile phone on 26 may 2022 and received a different product from Amazon web site.
I make a return request as per request my product picked and physically verified by a amazon delivery boy.
After return no update shared with me and payment was successfully deducted from my account.
I make a payment with ICICI bank debit card EMI
Now when i contact to costumer care regarding my refund they told me we cant refund money and they don't have any satisfactory answers.
My question is where is my money ? and i want total Refund.