When you transfer money from Paytm to Bank account, it is initiated instantly

i had tried to transfer paytm wallet money to my bank account but it was declined by bank because i dint have net banking facility .tit happens on 12 -12–16 but still i dint get refund to my wallet and i inquired with bank also but the money not credited to bank account.but still no refund from paytm ,i was mailed to paytm lot of time but no response from you. please refund it soon or contact me -8884312055, why are you taking too time it was very bad experience to me with paytm,

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