Kotak Mahindra Bank — Reversal of debited amount

Address: Bangalore, Karnataka, 560010

Website: Kotak mahindra bank

I have salaried account with kotak bank I transferred all my money nd took a loan for my purchase of my bike but your go cashless never worked with me .. I had swiped my debit [protected]@merchant place the amount got debited from my account and unfortunately the merchant hasn't received amount by end of the day merchant sent me report of reversal from his end ... Here comes the twist in story to claim my money kotak bank has told me to wait for 31days ... It's my money to get it back why I should wait for 31days. They are saying different story and only a phone banker Lakshmi helped me nd told me truth ...other phone banker said false information ... So pls answer me why I should for reversal of my money to my account for such a long time and the amount is also a huge amount 78, 715/ ... I'm a middle family guy and it's a huge huge amount for me ... Let's see what bank has to say on this