Indian Railway Catering & Tourism Corporation [IRCTC] — refund of ticket

I booked my ticket on 9th jan for ne express but i cancelled my ticket because of some reason. I am seeing that my amount has been refunded to my bank zakpay but i don't use it. So plz refund my amount to mobikwik wallet. When i booked through mobikwik then my money should be refunded to my account why here and there it is just like fraud. If irctc will do such type of thing then nobody will use such app. Modi wants that india should be digital everything online but because of those frauds nobody will use. My mobile number [protected] and mail i'd [protected]@gmail.com