Hey @Parag17 ,
Welcome to the Niyo Community! 
We deeply regret the hassle you’ve encountered. We would like to clarify that the T+31 timeline refers to 31 business days, not calendar days. Completing this reversal process is purely managed on the bank’s end, and unfortunately, it’s beyond our direct control.
Alternatively, we see that you’ve raised your request with us and our team has forwarded the request to the bank to expedite your concern.
We understand how challenging this delay must be, especially for a significant amount but please be assured that the reversal will be completed on or before the promised timeframe.
Thank you for your patience & understanding in this regards.
