Indian Railway Catering & Tourism Corporation [IRCTC] — Online ticket cancel amount till not refundable in my debited account.

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Dear sir/madam,
My name is Ms Najre Alam, I was booked my ticket online through IRCTC account 26/02/2017, PNR:[protected], TRAIN:12023, DOJ:27-02-17, 2S, HWH-PNC, Dep:14:05,
MD NAJRE ALAM, D11 105,
Fare:210, SC:0.0+PG+INS.
So I was need important work next day, then was cancel my next day journey planning. And cancel my ticket, I was received ticket cancellation message. 27/02/2017.
Your Tkt Cancelled. PNR,
[protected], Amt 150 will be refunded in your account.
48 hours is completed but till not ticket cancellation amount in reflected in my debited account.
So when will be cancellation ticket amount refundable in my debited account.
What I think about digital India ...Bole to bulk sheet.
Thank you.