PayUMoney — Refund of debit card emi loan

My refund is not done as per my bank statement but payu has provided me with the refund details saying that refund is done.

The amout was 60138.82 and now it increased to 60697.

The transaction was done on Bajaao.com via Payumoney using the SBI debit card emi facility.

I am stuck in between Payumoney and Sbi, payu says that they have refunded but bank denies the same.

I have also reached out the bank with the ARN number provided by Payumoney but bank denies of any such transactions.

So emi is still active in my account and refund not done .