Federal Bank — Refund issued by irctc but the amount not credited to my bank account

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IFSC Code:-FDRL0001271 Branch Code:-001271

My name is Milan and I had canceled 1 irctc train ticket and the irctc issued refund but the amount is not credited to my bank account . After my research now I realize that it's banks problem irctc already issued the refund and they send me the reference number of the ticket refund and told me to fill charge dispute form to the bank. So please kindly respond to this complaint it's very urgent. I'm typing the reference number & attaching the screenshot proof below :

Ticket details:-

Date of cancellation of E-Ticket/Date of failure of E-Ticket booking:16-Apr-2021
Refund processing date:19-Apr-2021
Refund amount:150.0
Refund reference no:P2104190019198089314031
Payment Option used : Debit cards (Powered by PhonePe)

Thanks you sir