One97 Communications — I tried to book train ticket from IRCTC mobile app. Money is debited and ticket is not booked

I tried to book train ticket on 17th November, 2021 from IRCTC mobile app. Money is debited but ticket is not booked.

IRCTC mobile app: It shows payment status "failure" in IRCTC app and is mentioning that they have refunded and money will be auto credited in my account by Bank. But still after 3 working days, money is yet not credited.

Kotak Banking app: It shows money is debited towards One97 communications.
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Ref no for this transactions that shows in my bank app is:[protected]

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