IRCTC e Wallet

The IRCTC e Wallet is an exclusive digital payment system launched by the Indian Railway Catering and Tourism Corporation (IRCTC). It allows users to deposit money in advance and use it as a payment option while booking train tickets on the IRCTC website or app. Designed for convenience, speed, and security, the IRCTC e-Wallet helps passengers enjoy a seamless booking experience with reduced transaction delays and instant refunds.

🔒 What is IRCTC e Wallet?

The IRCTC e-Wallet is a prepaid digital wallet that lets registered users deposit money into their account and use it for train ticket bookings. It functions similarly to online wallets but is integrated directly within the IRCTC portal, providing secure and faster payments without depending on external banks or payment gateways.

🌟 Advantages of IRCTC e Wallet

1. Hassle-Free and Secure Transactions

The IRCTC e-Wallet offers smooth, secure, and quick payments, eliminating the time-consuming approval cycles of bank gateways. Each transaction requires a unique transaction password or OTP, ensuring top-tier security for users.

2. Saves Precious Booking Time

During peak Tatkal hours, speed matters. Using the e-Wallet reduces the checkout time, giving you a better chance to secure confirmed train tickets.

3. Savings on Payment Gateway Charges

With a nominal transaction charge of ₹10 + applicable taxes, e-Wallet payments are cheaper compared to standard payment gateway fees, helping users save on every booking.

4. Complete Online Account Management

Users can top up their wallet online, check transaction history, view payment summaries, and even change their transaction password — all within their IRCTC profile.

5. Reduced Bank Dependency

Even if your linked bank is offline, your bookings can proceed smoothly using your IRCTC e-Wallet balance, offering flexibility and reliability during high-traffic hours.

6. Easy Refunds

If a ticket is cancelled, the refund amount is automatically credited to your e-Wallet account by the next day, making the refund process quick and hassle-free.

🧾 Key Features of IRCTC e Wallet

• User Authentication: Verified through PAN or Aadhaar using an online verification process.
• Secured Access: OTP and password protection for each booking.
• Transaction History: Dedicated section for e-Wallet activities.
• Account Renewal: Valid for 3 years, renewed automatically without extra fees.
• Availability: Only for Indian nationals with valid Indian mobile numbers.

🪙 Charges & Limits

• Registration Fee: ₹50 + GST (one-time, non-refundable)
• Minimum Deposit: ₹100
• Maximum Wallet Balance: ₹10,000
• Transaction Charge: ₹10 + GST per booking
• Usage Restriction: Only for railway ticket bookings, no cash withdrawals or transfers allowed.

🚉 Steps to Register and Use IRCTC e Wallet

Step 1: Login

Visit www.irctc.co.in and log in using your existing IRCTC ID and password.

Step 2: Register

Click “IRCTC e-Wallet Register Now” under the “IRCTC Exclusive” section.

Step 3: Verify

Provide your PAN or Aadhaar number for online verification and fill in the required details.

Step 4: Pay Registration Fee

Pay a one-time registration fee through any available payment option.

Step 5: Add Funds

Credit your e-Wallet with a minimum of ₹100 and top up as needed.

Step 6: Book Tickets

While booking, select “IRCTC e-Wallet” as your payment method from the list of options.

Step 7: Secure Booking

Enter your Transaction Password or OTP to complete payment securely.

🧮 IRCTC e Wallet Refund Policy

In case of ticket cancellation, refunds are automatically credited to your e-Wallet account on the next day. These funds can be reused for future bookings — no waiting for bank clearance or refund delays.

💡 Why You Should Use IRCTC e Wallet

If you frequently book railway tickets, the IRCTC e-Wallet is a must-have feature. It saves time, provides secure transactions, ensures easy refunds, and helps you avoid bank or payment gateway issues. Whether you’re booking regular or Tatkal tickets, this wallet ensures speed, security, and reliability in every transaction.

🏁 Conclusion

The IRCTC e-Wallet is a smart, secure, and efficient payment method that enhances the Indian Railways booking experience. With its fast processing, complete transparency, and easy management, the e-Wallet stands out as one of the best digital tools for rail travellers in India.

Start using IRCTC e-Wallet today to enjoy hassle-free, secure, and quick ticket bookings anytime, anywhere!

Frequently Asked Questions (FAQs) on IRCTC e-Wallet

1. What is IRCTC e-Wallet?

IRCTC e-Wallet is a prepaid digital payment option offered by the Indian Railway Catering and Tourism Corporation (IRCTC). It allows users to deposit money in advance and use it for booking train tickets directly through the IRCTC website or app. This feature ensures secure, fast, and hassle-free transactions without relying on external banks.

2. How can I register for IRCTC e-Wallet?

To register, log in to your IRCTC account and click on “IRCTC e-Wallet Register Now” under the IRCTC Exclusive menu. Complete the verification process by providing your PAN or Aadhaar details, pay the one-time registration fee, and add funds to your wallet to start using it for bookings.

3. What are the benefits of using IRCTC e-Wallet?

The IRCTC e-Wallet offers several benefits:

• Secure and fast transactions during ticket booking.
• Saves booking time, especially during Tatkal hours.
• Instant refunds for cancelled tickets.
• Reduced dependency on specific banks.
• Complete online account management and transaction history.
• Lower transaction charges compared to other payment gateways.

4. What are the charges for IRCTC e-Wallet?

The registration fee for IRCTC e-Wallet is ₹50 + GST (one-time, non-refundable).
For every booking made through e-Wallet, a transaction charge of ₹10 + applicable taxes is levied.
The minimum top-up amount is ₹100, while the maximum wallet balance allowed is ₹10,000.

5. Can IRCTC e-Wallet be used for all types of payments?

No. The IRCTC e-Wallet can only be used for booking railway tickets through the IRCTC website or mobile app. It cannot be used for cash withdrawals, transfers, or other online payments.

6. How do refunds work in IRCTC e-Wallet?

When a train ticket booked using IRCTC e-Wallet is cancelled, the refund amount is automatically credited to your e-Wallet account on the next working day. The credited balance can be reused for future bookings — offering a quick and convenient refund process.

7. What is the validity period of IRCTC e-Wallet?

The IRCTC e-Wallet account remains valid for 3 years from the date of registration. After expiry, it is automatically renewed without any additional fee, allowing continued use without interruption.

8. Who can register for IRCTC e-Wallet?

Only Indian nationals with a valid Indian mobile number are eligible to register for the IRCTC e-Wallet scheme.

9. What if my bank server is down during ticket booking?

If your bank server is offline or experiencing issues, you can still book tickets seamlessly using your IRCTC e-Wallet balance, reducing dependency on any single bank’s payment gateway.

10. Is it safe to use IRCTC e-Wallet?

Yes, IRCTC e-Wallet is completely safe and secure. Each transaction requires a transaction password or OTP, ensuring full protection of your payment details and user account.