MakeMyTrip India — Holiday package charges

I have booked a holiday package (Nl[protected] to london with airline tickets (Emirates) last january. The trip is scheduled for july end (24th july). I have made full payment for airlines and partial payment of 62000 for trip. Afterwards due to covid-19 airline cancelled the flights and refund fully which i have received from make my trip fully also after deducting the convenience fee. So accordingly they have made a hold my trip payment of 62000 but after getting refund from airlines i have raised the similar issue to them to refund as it is not cancelled by myself. Its cancelled due to covid-19 situation. After a week i got a mail from make my trip that they can refund me only 24490.00.

So finally i got the refund of 24490.00 which is almost 55% of my paid amount. Here i dont understand my fault because its risky to travel under covid situation.

So i just want to is it logical to deduct almost 35000 for my trip?