Question

why the transverse waves are formed on the surface of liquid and solids but not inside it

Answer 1

because transverse waves cannot refract inside any liquid or solid

Answer 2

Solids are not like that; they are rigid. The particles in transverse wavesmove perpendicularly to the direction of propagation so it cannot propagate in a gas or a liquidbecause there is no mechanism for driving motion perpendicular to the propagation of the wave.