IRCTC Direct Payment Gateway:: Rolling Deposit Scheme

IRCTC introduced another payment option for ✅ Faster online ticket booking. This time IRCTC going to introduce own payment option that allows faster money transactions via Online IRCTC ticket booking. The new payment option is known as a rolling deposit scheme (RDS) .

This can be working in such a way that User initially need to deposit dominant amount of money to the IRCTC and while booking the IRCTC Online ticket can able to choose the RDS payment option to pay money. IRCTC proposed RDS having one-time registration fee around Rs 200-250 and a minimum deposit of around Rs 1,500-2,000 for the service. IRCTC RDS can be re-charge or top-up online via any of the payment options. By the help of RDS payment option, we can save lots of time during the online ticket booking. RDS having no bank transaction fee too.  

Important Aspects of Rolling deposit scheme (RDS)

  • Easy refund: In case of ticket cancellation, the refund will be credited to the user’s RDS account the next day
  • User authentication: Users of the rolling deposit scheme (RDS) will be verified and authenticated through online PAN card number verification
  • Complete history: Users will be able to check RDS transaction/payment history. They can also change the transaction password as and when required
  • Secure access: Users will have to provide transaction passwords/ PIN numbers for every booking done through RDS


  1. RDS is good.One more facility i.e single ticket for two leg journey or multiple journey be allowed.suppose i want to travel from gaya to bangalore a single ticket i.e blank journey ticket for gaya to bangalore should be issued via howrah and chennai and accordingly reservation in different train 1st from gaya o howra,02nd howrah to chennai and 03rd chennai to bangalore should be permitted.

  2. One suggested by me a long time ago. IRCTC will have sufficient funds at their disposal for keeping in Time deposits, and save the passengers the headaches of "failed" transactions, and NOT getting the money from the Bank/Cash Cards. It should be launched ASAP.

  3. I welcome this option from IRCTC. Also, I support Mr.R Ram Mohan Suggestion. They need to find out some mechanism that the passenger can travel thru Local Trains freely, if they posses confirmed Sleeper ticket.

    Infact APSRTC & KSRTC follows this method @ Hyd. If the passenger has confirmed bus ticket, passenger can travel free thru any local bus.

    Similar arrangement Railways also should allow. Otherwise, standing in queue for local train tickets will be a big hassle before after tiresome journey.

  4. It is an innovative idea to introduce Rolling Deposit Scheme for online booking of tickets on irctc website as it will avoid failur bank transaction. Let them introduce as early as possible.

    In the meanwhile, I have a suggestion to irctc as why they have not facilitating booking of reserved tickets for a destination station with a journey ticket. For instance, if I wanted to book a reserved ticket online, I am being permitted to book from Bangalore City to Chennai Central only whereas I wanted a ticket up to Guduvanchery beyond Chennai Central. This will avoid purchase of journey ticket from Chennai Central to Guduvanchery. Will the railway authorities look into this? R. Ram Mohan, Bangarapet, Karnataka


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