Indian Railway Catering & Tourism Corporation [IRCTC] — Cancellations charges are too high

Address:560092
Website:IRCTC

Dear Sir,
I had booked a ticket from yelhanka jn to Adoni, journey dated on 3/4/2016, Train SBC Nanded & No.16594. The fare for the journey is 220 + 22.9 (service charge). Due to some reason I had to postpone the journey and I had cancelled the ticket .Thereafter I received a message saying a sum of Rs 100 will be refunded to my account, which I haven't received yet. So, why is the refund amount less than half of the amount I had paid earlier for the ticket? Why do you deduct so much?
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