Baroda Rajasthan Kshetriya Gramin Bank — refund regarding train tickets cancellation

Your refund of Rs.10995.00 has been processed successfully on[protected]. The amount should reflect in your account by[protected].

The Authorization Code (Refund Reference Number) for the transaction is[protected].

In case you do not receive the refund within 5 business days, please contact your bank’s customer care and mention the above Authorization Code (Refund Reference Number). Please remember that you will have to call your bank’s customer care center and not visit the branch for this query.

Some nationalized banks may take more time than usual to credit the refund. If your bank is unable to locate the refund with the authorization code provided, please dispute the transaction as 'refund not processed'. On disputing the transaction, the bank will see a pending refund and will follow the path back to our payment processor to locate the refund.

Another problem i have faced regarding railway ticket cancellation charge.
We wish to inform you that, with reference to refund against PNR Number [protected] /IRCTC Transaction ID [protected], an amount of Rs. 475.0 has been processed as per below details:
Date of cancellation of E-Ticket/Date of failure of E-Ticket booking:03-Dec-2018
Refund processing date:09-Dec-2018
Refund amount:475.0
Refund reference no:[protected]