Troubleshooting IRCTC Refund Issues: Steps to Take When Your Refund Doesn't Appear

Have your train ticket with IRCTC been cancelled, only to find out that the refund status shows the amount being sent to your bank but it hasn't appeared in your account? Don't panic! This article will guide you through the necessary steps to resolve this issue and ensure you receive your refund promptly.

Understanding the Refund Process

When you cancel a train ticket via the IRCTC app or website and use a method like PhonePe, UPI, or a debit card for the original payment, the refund generally takes 3–4 working days. However, it could take up to a week in some cases. But what if the refund status shows the amount has been sent to your bank, yet you haven't received it?

Steps to Troubleshoot

1. Verify Bank Account Details

Ensure your bank account details are correct. If you notice any discrepancies (e.g., wrong account number, incorrect IFSC code), update them immediately in your IRCTC account settings. You can do this by logging into your IRCTC profile or using the IRCTC app.

2. Wait for Processing Time

Refunds, especially when involving multiple parties, can take several business days to process. Check the expected time frame for your bank. This can vary based on the bank and the refund method you used.

3. Contact Your Bank

If you haven't received the refund after the expected processing time, reach out to your bank's customer service. Inquire if there are any pending transactions or issues that could be preventing the refund from reaching your account.

Bank website: For PIDB RBL Bank, ICICI Bank, HDFC Bank, Axis Bank, etc.,

Bank helpline: For State Bank of India, call 33722

4. Contact IRCTC Customer Support

If the refund still hasn't appeared after a reasonable time (usually 3-7 business days), connect with IRCTC customer support. Here are the ways to contact them:

- Through the IRCTC app or website. Look for the 'Help Support' section.

- By calling the support numbers:

India: 8368806185 International: 91-9313155555

The customer service representatives can help confirm if there are any issues with the refund process and guide you through any necessary steps to resolve them.

5. Keep Records of Communications

Maintain records of all communications with both the bank and IRCTC. This includes phone calls, emails, and any feedback forms you might submit. Keeping a record of your interactions can be crucial in resolving any issues and serves as a reference point in future communications.

6. Escalate the Issue

Should you not receive a satisfactory response, consider escalating the issue through consumer forums or social media channels. Many people facing similar issues can provide valuable insights and tips on how to resolve the problem.

FAQs About IRCTC Refunds

What happens if I booked in IRCTC Connect app using phonepe/any UPI/debit card?

When you cancel a ticket in the IRCTC Connect app using PhonePe, UPI, or a debit card, the refund is processed within 3–4 working days. The maximum processing time is usually one week. Moreover, ensure your bank account details are correct to avoid delays.

What if it's a merchant-side issue?

If you booked via a merchant app like Paytm, MakeMyTrip, ConfirmTicket, or TrainMan, contact the respective merchant's customer service.

Merchant customer service contacts:

Paytm MakeMyTrip ConfirmTicket TrainMan

How do I cancel my e-ticket through the IRCTC call center?

When you cancel an e-ticket through the IRCTC call center, you need to provide the following information:

PNR number Train number Date of journey Passenger name Refund amount

The refund amount is credited to the same account used to make the original payment. For the refund status, log into your IRCTC account or contact the call center again. Always check the cancellation and refund policy to avoid unexpected charges.

Remember, the refund process may involve several steps and parties, so patience is key. By following these steps, you should be able to resolve the issue and receive your refund.