Indian Railways — cancelled ticket amount refunded

I have booked a indian railway ticket details.
Train no 15023 gkp-ypr express
Pnr no [protected]
Date 16.11.2017
Transaction refund id [protected]
Refund amount 1840. I have already contact to irctc they told your payment refund to your respect bank then we complaint to our bank they told us your payment no received from zaakpay bank

Payment reference id zp55e141fe6f78a
Refund date 17.11.2017
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Indian railway is very worst service in the world.I'm travell palakkad trichirappily passanger 07/01/2018. this train started from palakkad 6.40 am after 10.15 am it is not arrived in tiruppur.right time 9.10 on tiruppur.all day this passanger train going very late. Very bad service

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