Reliance Money — Reliance personal loan- NOT TRANSFERRED TO MY ACCOUNT

On Oct 9th I received whatsapp message for loan purpose. from number [protected] Ravi verma.
Other two number in communication are:Tukaram Finance Ltd. – [protected] and Office executive- [protected]
He requested documents of aAadhar, pan card, bank statement, cancel cheque, photo, emailid,
Documents were submitted and EMI detail for 3lakhs was sent wherein EMI was 7300/- per month for 48 months. Application was submitted and every form hidden charges was to be paid.
3250: Processing fee to Kotak bank
7612: From credit card for verification of card balance
5000 : to capital verification through phone pay
3900: Processing fee to Kotak bank
Then wallet doesn’t work nor the ID and password as Username option is not present in the App.
To transfer above amount along with 3lakhs transfer 8900/-. So that amount can be sent to Account.
I refused to pay above 8900/- and asked for refund. Nor I got loan or my above amount. Hope I guide genuine guidance for refund of my above amount.