Indian Railway Catering & Tourism Corporation [IRCTC] — Instead of filing a TDR cancelled the ticket.

My PNR [protected] train no 20889 date: 02/07/2022. Due to some unavoidable and personal circumustances I cannot travel today so i have cancelled the ticket at 10 25 am unknowingly instead of filing a TDR. When i did it previously ticket can be cancelled till it leaves the station and TDR has to be filed after the train departs from the station. post covid the railway reservation and refund rules changing on a daily basis i am unaware of the new rules and it is difficult to follow also as they are changing every day.
If a ticket cannot be cancelled after chart is done and only a TDR has to be filed then why that option is given, when the IRCTC know there will be zero refund if the ticket is cancelled and if they file TDR the passenger will get some amount as refund. is it it not right to disable the option before four hours . so many like me are ignorent and loosing money because of this. I lost Rs. 3900 . in this post covid era with prices soaring so high every rupee matters. I request to consider my cancellation as TDR or give me an oppurtunity to file a TDR.
I am hoping this matter will be given a serious consideration