Indian Overseas Bank — to get the refund money which I paid for nsr card

Address:

no 666,14th block,k.p park demellows road chennai 12, Chennai, Tamil Nadu, 600012

My payment for nsr card failed due to technical problems but i received message from iob stating that 472 amount was debited... I called nsr department asked about this they said they didnt received the payment and they told to ask my bank to refund the money so kindly help me to get the money back. I got placed in wipro and they asked me to register for nsr card and they mention it as mandatory. This is very important to me and am from lower middle class i cant pay the money back, i dont have also. Plz kindly help me to resolve this problem