Bank Money Debited but No Ticket Received

I have received comments from several users that there Payments are deducted by Bank but Train Ticket not received or shown on IRCTC account. All of them stuck on this payment and think, what do now? Whether to Book a new Ticket ? or Wait for existing booked ticket?? This post is dedicated for them.
Why IRCTC tickets booking failure Occur?

First up all understand what is the reason behind your failed tickets. The online payment at IRCTC involves complex system of technical and telecommunication networking integration between customer’s Internet bandwidth, IT system of banks and payment gateways and is dependent on internet connectivity across various constituents.  Any failure or delay in this complex network may cause transaction failure before completion. This can raise the situation of money debited from the account but ticket not booked with the following possibilities:




SNo.Status in “My Transactions”CauseAction by IRCTCAction by Bank
1Payment Settled but Ticket Not Booked•Passenger opted for particular berth at the time of booking and ticket not booked due to choice of Berth not available.•Other reasons such as network failures etc.Amount is credited back on next day to the respective Bank.Bank credits back the amount within 2-3 working days in Account through which booking was done.
2Settlement Failed and Ticket Not Booked•System or network failure at Banks end or at PG before remitting Ticket Amount to IRCTC .Amount is not credited to IRCTC Account.Amount is with Bank. Bank will refund the money after due verification.

If your tickets belongs to any of the chart cases then wait for refund.
I suggest you to cross check your Booked Ticket history before doing any new Train Ticket booking through IRCTC.
So don’t worry whenever you are getting these messages.


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