Indian Railway Catering & Tourism Corporation [IRCTC] — regarding refund

Hey.
I have booked 2 ticket.
1. Transaction id:[protected] pnr no [protected]
Date of journey:25-oct-2017 date of boarding:25-oct-2017
Date of cancellation:28-sep-2017
Cancellation id:[protected]

2.
Transaction id:[protected] pnr no [protected]
Date of journey:19-oct-2017 date of boarding:19-oct-2017
Date of cancellation:27-sep-2017
Cancellation id:[protected]

Still haven't got the refund. Pehle yeh batao jab humne apne bank se paymnet kiya toh paytmag kaha se agaya. Beech mein medium hai jo aya. Aya toh aya lkin refund amount #paytmag bank mein kyu gaya. Payment apne bank se aur refund pytmag mein.. Yeh kaise rule hain t n co..