Kotak Mahindra Bank — 20000 rs kotak bank fraud

Transfered my money from my sbi into kotak bank using my sbi debit card. 20000rs did not get credited again. This is second tme happened. They hve problem in there server and same issue happening again and again. Big bank lke this cheating and cant repair there server is shocking. I wanted to use my money today but they did not credited it. There phone customer service is pathetic also. No one help. Kindly return my 20000rs and credit in my account or i will send a legal notice to kotak mahindra for cheating. Its been more then 12hrs now i am waiting. Will never use kotak in future.