want to get refund back to bank credit card debit card instead of paytm wallet

All Refunds are credited to your Paytm Wallet. You can trigger a request to transfer the money from your Paytm Wallet back to the source account by just clicking on ‘Return to bank’ option in ‘Passbook’ section on the app (please update your app to the latest version if you can’t see the option).
Please note.

1. ‘Return to bank’ option is available only for payments made through netbanking or card and it can trigger transfer only in the same account. Transfer to any other bank account is not allowed owing to security reasons.
2. Direct bank account refund is applicable subject to wallet limit. It will take up to 10 days for the money to show in your bank account, depending on your bank’s policy. If it does not reflect post this time period, we request you to please contact us at Customer Care.