PNB Debit card hacked

Now a days credit and debit cards are being cloned, though the bank is not responsible in such cases, it happens due to callous attitude of the card holders. For 5 months, you have not done anything complaining to the bank. In such incidents police complaint is should and must, Now after 5 months of delay even the police are helpless since the criminal generally erase all trial which lead to them. I suggest you to complain atleast now, but honestly I believe that it is going to be of any use.

I have lodged a complaint to the bank, in written, the next day I have noticed theft  that is just two days after the incident. It was taken by the fraud investigation department of the bank. And most of the case it's Master Card  compensate it, as ATM was hacked and card data captured.

Please understand it is basically a criminal case, bank can only investigate to the extent where the amount was withdrawn. Since you have used the card at multiple places it is possible that the data information was stolen in these centres, th power has wider powers to investigate. File a criminal complaint stating some unidentified miscreants have defrauded you by stealing ur data information.