Zaakpay.com — irctc refund money not credited to my bank account

Respected sir
My name is krutik Bhanudas Tamore.My irctc username is "tjohncena".
I had booked two tickets for journey date 24/02/18 on 23 feb 2018 through by rupay debit card mobowiki payment gateway.but due to my name came into waiting list.I had cancelled My ticket. And in irctc refund status they have refunded my money on 26 feb 2018 to Zkpy bank.but money wasnt credited on my main bank account yet.please take neccessary action against this company.I have submitted the photograph details which shows transaction id and other neccessary details.thank you