How will IRCTC Refund Me if I Have Paid through the UPI BHIM App?

When you purchase a train ticket from IRCTC Indian Railway Catering and Tourism Corporation via the UPI BHIM app, the refund process is straightforward. This guide will walk you through each step to ensure a smooth refund experience.

Initiating a Cancellation Request

The first step in the refund process is to initiate a cancellation request. This can be done through the IRCTC website or app. Whether your ticket is confirmed or waitlisted, you can proceed with the cancellation request.

Refund Processing

Once your cancellation request is processed, IRCTC will initiate the refund. The refunded amount will be returned to the same payment method used for the transaction.

Refund Timeline

The typical refund timeline is between 5 to 7 working days. However, this time frame can vary depending on your bank's processing time. It's important to note that any holidays or weekends are not included in this timeline.

For refunds to your debit card, the process is generally completed within 4 to 5 working days. If you have used Paytm or other wallet apps for payment, the refund might take slightly longer, typically one to two extra working days.

Checking Refund Status

To check the status of your refund, you can log into the IRCTC website or app. Regularly monitor your account for any indications of the refund appearing in your account.

Additional Considerations

BIKH is a service interface, not a vault or bank. When a refund is initiated, the money is automatically credited back to the original bank account from which the payment was made. This is ensured through a PIN you use for access to your bank account via BHIM.

Contacting IRCTC Support

If, after the expected refund period, you do not see the refund in your account, it's advisable to contact IRCTC customer support for assistance. They can help resolve any issues and ensure the refund process is completed.

Important: Always keep a record of your transaction details for easy reference during the cancellation and refund process.

For more information on IRCTC refunds and payment processes:

Check the IRCTC website for the latest updates and policies. Use the IRCTC app for a seamless cancellation and refund process. Contact IRCTC support directly via phone or email if you encounter any issues.

Frequently Asked Questions

Q: Can I cancel my ticket after the refund process has started?
A: You can initiate a cancellation request, but the refund process itself cannot be paused or reversed. Once initiated, it must be completed.

Q: What if I still haven't received my refund after the expected timeframe?
A: Contact IRCTC support for assistance. Providing your transaction details can help expedite the process.

Q: Can I use the refunded amount for future ticket purchases?
A: Refunded amounts typically remain in your account and can be used for future transactions. However, always check IRCTC's latest policies on this matter.