Zaakpay.com — refund not credited back in bank account

I have booked rly. Ticket on 28.09.2018 through irctc app vide pnr no [protected] i have paid through ubi debit card. Due to waiting list my rly ticketc cancelled. Irctc informed me that my amount has been refunded on 30.10.2017 through zkpy. But cash not receved in my bank a/ c. Please resolve this as soon as possible
Transaction id.[protected]
Refund id [protected]
Refund bank zkpy dt 30.10.2018
Refund amt 3900
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IRCTC cancellation ID [protected] dt 01 oct 2018
PNR [protected]
KYN to BKN
booking amount 8375/- refund amount 7425/-
reference no ZP570013e05ae3rd

but not transfer money in my account till date
payment was made via PNB Credit card

Pnr.n.[protected]. pleese rifand send my acount.
Note.bed sarvis Zaakpay PG

Transection Id :MK[protected] have paid by Mobikwik to Zaakpay for my electricity bill to Apspdcl of Rs. 970
Amount deducted from my a/c but the transaction Was Cancelled But Amount Not Refund to My Bank Pls Check The Transection[protected]:31pm Transection Id :MK[protected]

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