IRCTC indian railways - ICICI BANK

My name is Yogesh
I had book ticket through IRCTC which is automatically cancelled and my amount is refubdable

After * day the amount had credited to my bank but the amount had not showing to my account
I called and asked to irctc customer care they told me that they had transfered the amount to bank and send me mail alsa
I had gone to bank for enqiry they told me that amount had not yet come i had show the mail to them then also no response
** days had happen then also my refund had not come to my account

Now you tell whom should i blame IRCTC or ICICI BANK
IRCTC HAD SEND ME THE PROOF OF SUBMIITING THE AMOUNT

PLEASE HELP ME
YOUR FAITHFULL
YOGESH SHARMA