Please file a Consumer complaint on both the giants for deficiency of services and harassment.
For that first you have to issue Registered notice to IRCTC issuing Bank Confirmation that amount was nevaear received and hence not credited and to Bank stating that amount sent by IRCTC sent amount was not credited.
Before that if you have not received information corrrectly file RTI Applications to both authorities to equip yourself with facts as record. Use following format for RTI.
Application dt..seeking information under RTI Act.
CPIO:..........................(for IRCTC and Bank separately)
RTI Fee: Rs.10/- Indian Postal order (For IRCTC fvg. Accounts officer for Bank name of the Bank)
Appplicant:................Full;; postal address.
Information solicited (IRCTC)
1)Please provide full details of amount refunded through credit for cancellation of ticket no...with PNR No.....(Xerox copy of details submitted)
Information solicited (for Bank)
1)Please provide me the date of the credit of Rs....refunded to my account No....by IRCTC with transaction No....
(Send applications by post and also registered notice (Regd Post)
Step by step:
First step: one Regd. Notice + RTI Application (Both to IRCTC and Bank)
second step after 45 days: filing complaint before District Consumer forum.
I am sure that you will receive refund maximum within a month from date of receipt by IRCTC/Bank. More focus should be on IRCTC.