Hi @Vidhi1,
Welcome to the Niyo Community! 
We’ve reviewed your case and noticed that your account is with Equitas Bank. Unfortunately, due to security reasons, we do not have the authority to access transaction details from our end.
To resolve this, you can contact Equitas Bank directly at customerservice@equitasbank.com or call their customer care number at 1800 103 1222. They should be able to assist you with the refund and address the insufficient balance issue.
Thank you for your patience and understanding.
