SBT Bank — IPMS transaction failed and not refunded holder account

Address:

673639

I have fund transfer IPMS vie but not credited to beneficiary account and not refunded to account holder account.
Shabil v
Valpara house
Sbt bank
Kondotty
Account number [protected]
IMPS/P2A/[protected]
IMPS[protected]MO00406072
Amount 30000
Mail id :[protected]@gmail.com
Reference No. IMPS[protected]
Debit Account Number [protected]
Credit Account Number [protected]
Transaction Date 19-Oct-2015
Amount INR 30, 000.00
Status Failure
Reason Verification successful but original credit transaction decline.


sir please immediately a resone for thise complaint