I have received below refund information from irctc however it has not been credited to my bank account.
Dear customer,
We wish to inform you that, with reference to refund against pnr number [protected] /irctc transaction id [protected], an amount of rs. 400.0 has been processed as per below details:
Date of cancellation of e-ticket/date of failure of e-ticket booking:17-aug-2018
Refund processing date:20-aug-2018
Refund amount:400.0
Refund reference no:zp571a3e5d767cd
Payment option used : zaakpay pg
Zaakpay.com customer support has been notified about the posted complaint.