All the fee that is 75000 you have paid is actually the fee you are paying to the college you have been allotted(inclusive of josaa processing fee) so after acceptance of fee you college will be responsible for refunds and if you don't accept allotted seat then josaa will credit back the amount also csab charges its own processing fee and if you are allotted a seat through csab after being allotted through josaa then you don't need to lay seat acceptance fee again.