Bank Of Baroda — Transaction failed but money deducted from account refund not received yet

I have done a transaction from my debit card on 28th of june 2020. While doing the transaction the first payment got declined but the amount got debited from my account. The transaction id is s39077555 i want to know where the amount is stuck as it has been more than a 25 days and haven't received the refund yet. The debit amount is of rs 1820 timing of the transaction is 18.50 pm.

As per the reserve bank of india (Rbi) has issued a circular dated september 20, 2019, on the harmonization of turn around time (Tat) and customer compensation in case of failed transactions. This means that if the bank does not reverse the money debited from your bank account due to a failed transaction within a specified time period, then they would have to pay a penalty to the customer. The penalty has to be paid on a per day basis for delaying the credit of money into the customer's account.
The penalty amount has not been received for a single day.