Dear Mr Babu,
We request you to follow the below procedure for claiming your funds:
Submit a complaint /dispute letter with the issuing bank [ i.e Karur Vysya Bank] branch where you hold the savings bank account.
The issuing Bank will then raise a charge back dispute on HDFC BANK seeking the disputed transaction status.
If the transaction stands invalid as per your claim, the funds will be returned to the issuing bank, which would be credited to your account by your respective bank.
Regards, Customer Assistance, HDFC Bank


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