Canara Bank — duplicate debit charge

Address: Hyderabad, Telangana

I visited a merchant on january 2nd, 2019 and subsequently two charges of rs 57000 were placed on my debit card. Upon further investigation, it was confirmed by merchant that they did not charge twice.

I visited the bank and the employee sent request to hq and hq reverted back in a week saying that the funds are no longer reversible since it’s been 3 months since original transaction. It is my hard earned money and bank has no right to keep the funds.