Indian Bank — refund issued but not credited

Address:	Chennai, Tamil Nadu
Website:	Irctc

I am booking in train tickets in irctc and 2 tickets cancelled for waiting list. Then irctc is showing my refund amount on paytm m. What does it means as. But I am tickets booking through indian bank debit card. I haven't received any money in my indian bank account and my paytm account also.
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