BHIM/UPI Apps for Train Ticket Booking

App by Indian Railway for ticketing booking
App by Indian Railway for ticketing booking: BHIM/UPI

BHIM/UPI Apps for Train Ticket Booking

UPI/BHIM Apps : Downloading Details

Ministry of Railway announced that now passengers can use BHIM / UPI App for Train Ticket Booking. Railway extends the facility of booking of tickets from counters through UPI/BHIM Apps Payment System. Railways has introduced the facility for booking of railway tickets from railway counters through Unified Payments Interface (UPI)/ Bharat Interface for Money (BHIM) App. This is a major boost to Government’s key initiative of cashless transactions and passenger friendly measures. ICICI and SBI bank have been mandated to provide acquiring services during the pilot study period on no profit no loss basis. This project is on pilot basis for a period of three months.

UPI Payment Facility for Ticket Booking Details

Central Railway announced on 27.04.2022 that CR has taken various initiatives to promote digital payment with the introduction of POS, QR/UPI over UTS counters and ATVMs.  Now, passengers can use any UPI enabled app for payment of tickets in ATVM, UTS/PRS counters. ATVM smart cards can also be recharged now by net banking/UPI through “UTS o­n Mobile’ website.

UPI/BHIM Details


Unified Payments Interface (UPI) is a system that powers multiple bank accounts into a single mobile application (of any participating bank), merging several banking features, seamless fund routing and merchant payments into one hood. It also caters to the “Peer to Peer” collect request which can be scheduled and paid as per requirement and convenience.

Initially many banks have offered their own UPI applications for the customers creating little confusion among them on which UPI app to be used. For the convenience of the users, a UPI App called BHIM has been developed by GOI.


BHIM (Bharat Interface for Money) is a Mobile App developed by the National Payments Corporation of India(NPCI), based on the Unified Payment Interface (UPI). BHIM is interoperable with other Unified Payment Interface (UPI) applications and bank accounts.

This facility will be available for booking of reserved tickets from Passenger Reservation System (PRS) counters and booking of Season Tickets (MST and QST) from Unreserved Ticketing System (UTS) counters.

App by Indian Railway for ticketing booking
App by Indian Railway for ticketing booking: BHIM/UPI

It will be implemented all over Indian Railways on all PRS counters and UTS counters (for ST) w.e.f.  1st December 2017. This will add to the digital payment option already available to railway passengers. No additional charges will be levied from passengers making payment at railway counters using UPI/BHIM for a period of 3 months.

The facility of payment through UPI/BHIM for booking of e-tickets online on the IRCTC Website has already been implemented earlier. Now, this facility is being extended to the tickets being booked from railway counters.

Benefits to Passengers

  • Offers additional payment options to customers availing of railway services.
  • Safe to use as no need to share a bank account or credit/debit card number.
  • No worry about losing cash or card.
  • Easy to use and supports payment through multiple banks on a real-time basis.
  • The existing 0.5% discount on suburban season tickets booked through digital mode in UTS will be applicable for UPI payment also.

Benefits to Railways 

  • Promotes Government’s initiative for increasing digital/cashless transaction.
  • Reduces hassles of cash collection and handling.
  • Reconciliation and settlement will be simplified.

Booking Rail Ticket at the Counter Through BHIM

  • These are the important points of Physical rail ticket booking through the UPI apps.
  • You can use this facility to book the ticket at PRS (Passenger Reservation System ) counters.
  • You can book the reserved ticket, season ticket, and unreserved ticket.
  • The Railway has implemented this facility from the 1st December 2017.
  • You can use BHIM at any of the rail ticket counters.
  • The Railway is not charging anything extra for the payment through BHIM or UPI apps.
Process of Payment : BHIM/UPI App
Process of Payment : BHIM/UPI App

Steps to Book Rail Ticket  Through BHIM/UPI

  • If you want to pay through the BHIM or UPI, inform the booking clerk about it.
  • The booking clerk would select UPI/BHIM as the payment method and ask your Virtual Payment Address (VPA). As every UPI app user has a VPA.
  • Once, the clerk enters your VPA, you would receive a Payment Request on the registered mobile number. You receive an SMS as well as a notification from your BHIM UPI app.
  • Click on the notification and login to your App using your PIN.
  • You would see the payment request confirm it and enter your UPI PIN.
  • The money would be debited from your bank account and you would receive the message.
  • The ticket booking system would get payment information immediately. After the successful payment, the system generates the ticket.

Transaction fee for Payment through UPI

  • The customer will be charged a minimum transaction fee for making the payment through UPI as per the extant NPCI/RBI/Ministry of Finance guidelines, without any share to the acquiring bank during the pilot study period.

Procedure for Refund

For PRS/UTS Tickets booked through UPI, the following types of refund shall be processed.

  • Cancellation Refund
  • Special Cancellation and Non-Issued (Full Refund)
  • Amount debited response not received by System (Failed Transaction)
The following procedure shall be followed for processing the refund.
  • The customer shall be allowed to cancel the ticket at any counter.
  • The acquiring bank will share settlement file for all Payment Settled transactions at Bank end of T Day or as per extant provision or as decided by the office of CGA
  • CPG will reconcile all Payment Settled transactions.
  • PRS/UTS will reconcile payment settled transactions with CPG
  • PRS/UTS will raise refund requests for all cancellation/failed cases to CPG. CPG will generate refund file for all refund cases on T+1 to SBI
  • Bank will download all refund files from bank interface provided by CRIS
  • SBI will process the refund for crediting the customer’s accounts on T+1 and will share the refund confirmation file on T+1 or T+2 day to CPG for reconciliation.

Download BHIM App from here :- BHIM – Making India Cashless

IRCTC Mobile Application ~ Download Online


  1. Sir I booked a ticket and paid through bhim app but the amount was deducted from my account but not approved by irctc and my ticket status is not booked.
    How can I get this money refund.
    Plz help me.

  2. Dear Sir/Mam,

    Booked a E-ticket through Irctc as ticket not confirm , So by default ticket get cancelled , So supposed to amount of refund get back into the same from which Debited.
    But refund not received.
    Pl suggest…

    Transaction Date: 23 Dec 2018
    Transaction Id:100001593804483
    Refund amount:2090.0
    ACTUAL REFUND DATE: 26-Dec-2018
    BANK RFND TXN ID:Rev_835711695217
    Payment Option used : Pay using BHIM (Powered by AXIS BANK) also accepts UPI

    Bank Details::
    SBI A/c 31471965439
    IFSC CODE – SBIN0010526

  3. I was trying to book my ticket from IRCTC thorough BHIM UPI App. But unfortunately my ticket was not booked and payment deducted from my bank account. It’s been more than three days now but still I have not get my refund. Transaction ID of BHIM UPI : 827014242613 and Transaction ID of IRCTC is :100001457993421

  4. Hello sir
    I need some urgent help i have booked my ticket on 7-05-2018 with thee help of bhim app and
    I cancelled my ticket on 08-05-2018 at ticket reservation counter and my
    pnr number is 651-4480201 and my question is when will I get refund amount

  5. Hello Sir,

    I need some urgent help with my refund that I waiting for PNR 4141053565 counter ticket that I booked using Airtel Payment Bank UPI and on 29.03.2018 I cancelled this ticket at Counter before that I have cancelled the ticket through IRCTC website because now we are allowed to cancel counter ticket through WEB.
    My question when will I get the refund, whom to connect with for grevience/concerns/queries/help.

    Please guide me and help me get my refund asap.
    Dilip Kumar Singh


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