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. for the transaction tried by you under reference no.xxxxxxxx which has failed and later found that the payment has been debited to your credit card account has been credited to your card account at 30-Nov-2010 .
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.
Warm regards,

So don't panic if amount is debited and no ticket is booked in IRCTC website.

43 comments:

greatsivaa said...: Very very useful information; January 10, 2011 at 1:20 AM
Jayant Kumar said...: Nice information...thanks :); June 7, 2011 at 8:18 PM
Gaganlok said...: Thanks, you made my day...Cheers..!; June 13, 2011 at 8:19 PM
Anonymous said...: really helped ... thanks!; July 3, 2011 at 1:51 AM
Anonymous said...: thanks a lot!it was a relief to know that the amt will be refunded!!phew..; July 6, 2011 at 9:03 AM
Dinesh Kumar Panda said...: Thanks for the information.....
i had the same problem and thought that my money is wasted....
waiting for the refund........; July 22, 2011 at 8:47 AM
vikalp said...: thank u so much..this information gives me satisfaction..; July 29, 2011 at 7:56 AM
Anonymous said...: Thanks for the info. Helped a lot!; August 23, 2011 at 5:31 PM
P.Sahu said...: Thank you so much for your help It was indeed a relief as this is new to me ... God Bless; August 25, 2011 at 11:23 PM
sasikala said...: i had same problem today-settlement requested and not booked. so feeling confident that my amt will come back.. thanks for sharing such info.; August 27, 2011 at 2:23 AM
Krishna said...: Oh!!
Thanks for the info
I made some refresh in the page and got into trouble
Hope will get the cash back to my account within a few days.:); September 3, 2011 at 5:08 AM
Anonymous said...: heavenly saying...thanks!!!!!!!!!; September 25, 2011 at 1:38 AM
prasad said...: Thank you very much; October 4, 2011 at 9:56 AM
Anonymous said...: Thnks for useful information i was tens about my money but hope i can get my money from bank soon. . . .; October 7, 2011 at 6:59 AM
1ma said...: thank you; November 5, 2011 at 9:00 AM
m ramkumar said...: thank that make me to have smile on my face; November 15, 2011 at 7:47 AM
Anonymous said...: Thank you very much man :-); November 16, 2011 at 5:38 AM
javed said...: very usefull infermation thanks; November 20, 2011 at 8:14 AM
Amal said...: thanks a lot for this information,,, i was very worried when money got deducted and ticket wasn't even booked!; November 24, 2011 at 3:47 AM
nishu said...: very very help ful Nice information; December 1, 2011 at 3:26 AM
Pranav said...: Are Bank Charges refunded?; December 3, 2011 at 7:57 PM
Anonymous said...: Thanks for the info
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Ujjwal said...: Thanks for the info; March 6, 2012 at 1:19 AM
Anonymous said...: Really helpful; April 7, 2012 at 10:41 AM
Taranjeet Singh said...: Thanks a lot for this information. It lessened by worries. Hoping to get the amount back in a few days. Thanks.

Taranjeet Singh
http://random-wisdom.blogspot.in/; May 1, 2012 at 3:16 AM
Ajay said...: it happened for me today.after reading this i hope they will return the amount back.lets wait and see; May 18, 2012 at 2:09 AM
Anonymous said...: thax for info...really helpfull; June 5, 2012 at 11:04 PM
Abhay said...: thanx buddy .. feeling relax now :); June 19, 2012 at 9:15 AM
Leorajan said...: Hi

It shows Settlement failed in IRCTC. But the amount is debited without booking ticket. After that it has not been credited to my account; July 27, 2012 at 4:31 AM
Abir said...: thanx.feeling relieved; August 8, 2012 at 4:54 AM
Anonymous said...: thanx...this information made me relief..; August 13, 2012 at 2:53 AM
Tasneem Hyder said...: thanks for writing..; August 21, 2012 at 4:54 AM
Anonymous said...: thanks for this very useful information!; October 17, 2012 at 8:25 AM
anshu simon said...: thanks..........now m relaxed:); October 28, 2012 at 12:27 PM
Anonymous said...: Since it is requested settlement state is there a chance that the ticket might be booked in a day or 2 or shld i go ahead a book a nother ticket...thanks; November 20, 2012 at 8:17 AM
Unknown said...: very useful thnx u very much!!!; April 17, 2013 at 6:42 AM
Unknown said...: very useful thnx u very much!!!!; April 17, 2013 at 6:43 AM
Abhishek Tiwari said...: Great Post Sir......Thanks for such usefull information..One thing i want to confirm.when we make payment from Credit Card then on which account irctc refund the money if transaction is failed or we make cancellation of ticket?; June 27, 2013 at 10:41 PM
Nikunj Krishna Rayal said...: Thank you so much.
Becoz' of u I feel tensionfree and a lot more happy.

Thankx alot; October 7, 2013 at 12:24 AM
ankush bhardwaj said...: Sir,
In my pay status it is showing "settlement requested", but on clicking the transaction ID it is showing that "Payment Not Received From Bank". What does this mean and what should I do.
bhardwajankush18@gmail.com; October 12, 2013 at 11:05 PM
swaminadh said...: Thanks to you that i was relieved from tension.; March 11, 2014 at 4:28 AM
Sush'S said...: It shows Settlement failed in IRCTC is there a chance that the ticket might be booked in a day or shall i go ahead a book a nother ticket.; May 11, 2014 at 12:34 PM
Balaji said...: Really a very useful information. Thanks; May 28, 2014 at 2:42 AM