Snapmint Finance Service Pvt Ltd - Refund not received from Snapmint despite Refunded status and ARN

had placed an order using Snapmint EMI (Order ID: ********, amount ₹****, merchant: NNNOW). The order was cancelled on **/**/**** and in the Snapmint app the order status is showing as “Refunded”. They informed me that a refund of ₹*** has been processed to my original payment method on **/**/**** with ARN/UTR ************.My payment mode was Kotak *** UPI / bank account. Till today, no refund has been credited to my account. I contacted Kotak Mahindra Bank customer care multiple times and shared the ARN/UTR number. The bank has clearly confirmed that no amount has been received or credited to my account against ARN/UTR ************.I have emailed Snapmint support several times and also received replies from them, but they keep saying that the refund is done and are asking for more time. Even after several days, the money has not reached my account, while my bank repeatedly says they have not received this transaction.This is causing financial loss and mental harassment as my refund is stuck between Snapmint and the payment gateway/bank, with no proper resolution.Relief sought:Immediate refund of the full amount due (₹*** / full order amount as applicable) to my Kotak *** account or original payment method.Written confirmation that any related EMI/loan has been cancelled/closed.Appropriate compensation for delay and inconvenience, if possible.