1. If a passenger has opted for a particular berth at the time of booking and ticket not booked due to the choice of berth not available or due to the failure in the network may create a situation of ‘payment settled but ticket not booked’. In this case, IRCTC reverses the amount which is credited back on the next day to the respective bank. However, the bank may take 2 to 3 days to credit back the amount in the bank account through which booking was done.
2. In case there is a system or network failure at banks end or at the payment gateway before remitting ticket booking amount to IRCTC may form a situation of ‘settlement failed and ticket not booked’. In such occurrences, IRCTC doesn’t receive any amount due to the settlement failure. The amount is with the bank. The bank will refund the money after due verification.
Just check the bank account or failed transaction history after login in IRCTC. A duration of 7 days has been prescribed by irctc for refund. Mostly within 2 or 3 days the refund is done.
If this is happening again and again. If you use the irctc app, your problem will be reduced.
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