Indian Railway Catering & Tourism Corporation [IRCTC] — No refund for 3hrs late train, tdr filed, status: cr repudiate

Dear sir,
Subject - status: cr repudiate (Tdr filled, rejected/no refund received)
My train 22404 was scheduled for 31 jul 2023, dep. 04:38 from vglb to bpl, ndls pdy sf exp (22404), pnr: [protected]. About 04:16 am, i came to know through irctc text message (Train late by 03:16 hrs) and through online mediums also that train was running late more than 3 hrs. So i decided to not to opt this train journey as i may got so late and could not reach my destination within time. And i filled tdr on 04:51 am with reason "train delayed more than three hours and all passengers not travelled". After few days i came to know my tdr status "status: cr repudiate".
It seems i will get no refunds, i want to know, why. Even with valid reasons, even after getting disturbed and getting financial and other losses due to this train delay, i am unable to get refund also. Its really bad.
Please help me out, at least provide refund.