HDFC Bank — Online fraud transaction

I received a message on 30th oct 2022 at 12:33 pm that otp is 328731 for txn of 23391.31 at paytm rental on hdfc card.

After a few seconds amount got debited - 23391.31 from my card ending with 5732 at paytmren5289173 which i have no idea about.

I immediately called the hdfc bank within 5 minutes and as blocked my card.

I don't understand without otp how can be transaction is successful.

When can i get the complete refund, so i can apply for a new card.

Please find the attached proof.