Indian Overseas Bank — failed transaction but amount deducted

I had a transaction for bus ticket booking using redbus and phonepe.. The transaction was failed but my amount of rs.868 was debited on may 22 2019 but it was not refunded till date.. It has been more than a month.. But it tells refund can occur in 3 to 5 working days.. It is quite a long time duration and i need my amount for some other emergency needs.. I claim for my amount to be credited as soon as possible