State Bank of India - Refund not credited in my bank account

I had deposited amount of **** on may ** **** through Bhim Upi but the amount has not reached the merchants account but has been deducted from my bank account but till now the amount has not been refunded in my bank account the merchant said that they had processed my refund amount back on July * but the amount has not been credited in my account my sbi account no is ***********. The reference number for refund amount is ************