IDFC Bank — IDFC Personal Loan#[protected]Loan Disbursed without any agreement signed and without my concern No PDC taken

Dear Sir/Mam,
My name is Priti Mishra residence at D-730, Madanpur Khadar, J.J.Colony, New Delhi-110076.
I have received a pre approved personal loan offer of ₹3 lakh 36 month tenure with EMI of ₹8056 from IDFC Bank so I have applied and an executive came to my house by saying just for a KYC only on 12th July 2022 and after 1 day on 14th July 2022, one person came for verification and he have rejected my loan due to low stock available (I have shown Sarree selling work at home) and unfortunately after 14 days without my concern (No phone call, no message), No agreement signed, No PDC cheque taken from me they have disbursed an amount ₹1, 91, 036 on 28th July 2022 into my Canara Bank account and while I have checked the loan details (Loan#[protected] it is a total of ₹ 2, 04, 549 at a high rate of interest @25.98% and high deduction of ₹13, 513
Afraid this kind of fraud activity by IDFC Bank.
I don't want to take this loan and want to return this amount ₹1, 91, 036 to IDFC Bank
Kindly look into this and PLEASE HELP me!!!