Union Bank Of India — refund not credited in a/c.

Address: Ghazipur, Uttar Pradesh, 233001

Website: www.irctc.com/www.paytm.com

Refund is being initiated by merchant but yet not credited or reflected in my bank a/c..
These tickets were being booked using paytm and irctc website by upi transaction, now after cancellation it's being two weeks and the refund is yet not being credited in my bank a/c.
On further diging, the merchant told that they have refunded the amount, but the bank is not reflecting it in your a/c.

Below are attached reference documents.