Bank Money Debited but No Ticket Received

Money Debited but Ticket Not Booked, What to do next? Why IRCTC tickets booking failure Occur? and answers of many more similar questions answers and guide exclusively for you

IRCTC Bank Money Debited but No Ticket Received
IRCTC Bank Money Debited but No Ticket Received

Money Debited But Ticket Not Booked


I have received comments from several users that there Payments are deducted by Bank but Train Ticket not received (Bank Money Debited but no Ticket booked) 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 ( Bank Money Debited but no Ticket 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.
Common Scenarios

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.


How do I get refund on IRCTC if my ticket did’t booked but money got deducted?

User is not required to do anything. Money is automatically credited back to account. Mostly within 2 or 3 days the refund is done.

Ticket did’t booked but money got deducted, but after 1 week, refund is not credited to account automatically, what should I do?

Write your refund request to Further you can directly post letter to Group General Manager/IT, Indian Railway Catering and Tourism Corporation Ltd., Internet Ticketing Centre, IRCA Building, State Entry Road, New Delhi – 110055. Remember to mention your transaction ID also, if you have it.

Ticket status- not booked, transaction status- settled, what does it mean?

It means that ticket is not booked even when money is debited. So the debited money is refunded back to your bank Account or digital wallet.

What is failed transaction?

A failed transaction is a transaction which has not been fully completed due to any reason not attributable to the customer such as failure in communication links, internet connectivity issues, time-out of sessions, etc.



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