Indian Overseas Bank — transaction declined but amount debited from account

Complainer :- abhinav s. Sonkusre
city:- nagpur (maharashtra)
branch:- hudkeshwar
account type :- saving
today, i used hdfc atm of nagpur city, dhantoli branch for withdrawal of 10000 rupees, the transaction was declined and i got receipt of declined transaction from hdfc atm, but i received the 10000 rupees debited message from indian overseas bank . After that i checked the balance from the same atm, it showed the remaining amount after 10000 deduction, it was confirmed that my money was confirmly debited and i haven't received money from atm.
I immediately consulted with both the banks, iob staff told me about time span of 48 hours for crediting money as per rbi guidelines.
I have attached the two receipts of transaction declined and money debited and complaint copy acknowledgement.
Kindly solve this as early as possible, i am in need of my money.