Duplicate neft

Make an approach to your recognized Association and contact a local advocate for proceeding against the culprit and the bank.   Preserve all the correspondence, as tomorrow they may also issue charge sheet you for negligence as retaliation.  Being a Bank officer, through your valuable customers approach SP and pressurize the culprit to execute an undertaking letter and if possible provide a personal loan after all formalities and reverse the entry.  The issue requires deft handling with the support of the Manager and other colleagues.  (I am surprised as to why the real beneficiary is remaining silent for so many days)

You are an educated official and my post is in simple English.

The money was entrusted to the Bank for sending it to someone.  The Bank has remitted to some other account by mistake.  Bank has the liability to compensate the sender and the original receiver should receive and the culprit should return the amount to the bank, the bank can remit it to the right payee.

As an employee, you have worked for the bank.  The Bank suffered the loss.   It is the Bank that has to file a complaint.  Refer the complaint to Vigilance and they might have seen hundreds of such cases in a year, and they know how to recover by making a complaint to police.  

When a reply was provided, go through the reply thoroughly and do not deviate from the topic and raise new issues.

Your duty as an employee is to inform the mistake to your higher authority and seek his further instructions for recovery through the legal course, and think as to how to save yourself as this amounts to gross negligence.

The bank official handling NEFT and IT is personally liable for making good actual receipant, which may be recovered (subsequently) from the account / accountholder who have received the amount erronously.

I did not find any dispute involved in the query for consideration and obligation of legal experts, it is a procedural dispute between bank, its employees and their customer (s).