How to get refund from IRCTC for failed transaction?
IRCTC (Indian Railway Catering and Tourism Corporation Limited) is a Government of India Enterprise that offers online booking of rail tickets in India. Everyday hundreds of thousands of people book their tickets using internet via IRCTC. IRCTC offers a variety of payment methods for online ticket reservation.
I have booked many tickets using IRCTC in the past. But last week i booked bulk tickets for my friends for a goa trip. I used my Karur Vysya Bank Debit card for payment. IRCTC offers a number of payment gateways powered by CITI bank, HDFC bank, Axis Bank etc.
Amount Debited from account and Ticket not booked, what happened? Can i get a refund.
Online payment is a complex process that involves a number of stages. Your ticket will be booked successfully if only all the stages are completed. If a stage fails in the process your ticket will not be booked. For example if you give wrong CCV number / expiration date your payment via Credit card / debit card will not complete. In that case a Settlement Failed entry will be posted in Refund Status of Failed Transaction in My Transactions section of your IRCTC account. This part will have S.nO, Transaction ID, Pay Status (settlement failed/settlement requested), Reservation status, Total Amount and Bank.
If settlement Failed is shown you can ignore it as no amount is debited from your account. In case amount is debited from your account and no ticket is booked a 'settlement requested' status will be shown. In that case IRCTC will refund your amount in few days.
What to do? Whom to contact to get the refund? Should i contact IRCTC or my Bank?
Don't worry. Your amount will be refunded automatically to your bank account in 4-5 working days. Check your account statement in 4-5 days.
I got an email indicating that my payment was refunded. The following is the email i got from IRCTC
The refund of Rs.
We suggest you to please retry the transaction, if not booked already. The booked tickets history can be checked to view the list of all tickets booked by you.
So don't panic if amount is debited and no ticket is booked in IRCTC website.