Most of the People in India started to book their train tickets online. While booking online railway tickets many are facing many problems like payment transaction gets failed due to server error or hang-up. Then, IRCTC charges too much for a transaction & Service charge while booking train tickets. So people wish to know the transaction details while booking their IRCTC tickets through online. Even I sometimes wonder why the Indian Railway IRCTC is charging extra amount. Then I found that they are charging it for service & for online transaction charges through banks. I wish to put as articles since I can see people like me are still wants clear information on IRCTC chargers. So we have collected the updated information on IRCTC Charges for reserving the tickets online.
IRCTC Service, Bank Transaction & Online Payment Charge :
Want to know information on Indian Railway Service Charges & other transaction Charges. If you don’t want to waste time in reading the entire history , you may just have a look at the cost of the service & transaction charge just look directly to the tables. If you wish to know more information on those charges look at the description of each which are given below
What is IRCTC Service Charge & why is it Charged ?
In general, Service charges is an extra charge for serving customers. It like an charge made for maintenance on Property which was provided to the customers. Indian Railway has to maintain the Quality of the trains, So they started to collect service charge along with their railway tickets. So with the help of the Service Charge collected from the passengers, the collected money will be used for indian railway maintenance such as servicing the train, tune up the speed of the trains, repair the train toilets, tune up the train pantries which will help to serve the Quality food.
Check Out : Railway Train ticket Cancellation Charges
You can find the IRCTC Service Charges & IRCTC Transaction Charge details [Paid through debit & credit card & net banking] below. The cost of service charges for each train is different. These charges are classified based on the different coaches available in the train such as Sleeper, Second sitting, AC, Chair Car etc.. and also it depends on the number of passengers travelling in train.
IRCTC Service Charge Table:
Do you Want to Check out the railway Service Charges for Indian Railway train Tickets for your class?. Find the Indian railway Service charges for booking train tickets in below table. We hope that would an easy to help to understand the service charge for the train classes
| IRCTC service Charges | Class | Ticket Type | No of Passengers |
| Rs.40/- | Sleeper (SL) & Second Sitting (2S) | i-Ticket | Max 6 Passengers |
| Rs.60/- + Service Tax | For all Other Upper Classes(1AC,2AC,3AC,CC,3E,FC) | i-Ticket | Max 6 Passengers |
| Rs.10/- | Sleeper (SL) & Second Sitting (2S) | e-Ticket | Irrespective of no of passengers |
| Rs.20/- | For all Other Upper Classes(1AC,2AC,3AC,CC,3E,FC) | e-Ticket | Irrespective of no of passengers |
What is IRCTC Transaction Charge & how to avoid over charged?
In general transaction charge is collected for each transaction done by passengers.(i.e.) Initial days, when we book train tickets, we used to stand in along queue on railway station and will book the ticket by cash. But now, since technology has improved we started booking our train tickets from online through various cars such as debit , credit cards , master etc.. and Other banks. so for the online transaction of money they will charge. It’s called “Transaction charge”.
The Online bank transaction charge is different for each bank in India. Please find the details of transaction & bank charges of each bank for train ticket booking below.
Transaction Charges
| Payment by Credit Cards | |
| AXIS PG | For all Master / Visa Credit Cards (Not International Credit Cards).Transaction charges of 1.65%+Service Tax. |
| For all Domestic Debit Cards transactions Amount upto Rs. 2,000 :Transaction charges of 0.75%+Service Tax. | |
| For all Domestic Debit Cards transactions Amount above Rs. 2,000 :Transaction charges of 1%+Service Tax. | |
| ICICI PG | For all MASTER / VISA Credit Cards (Not International Credit Cards) / Debit cards (If enabled by card Issuer). Transaction Charge 1.8%+Service Tax as applicable |
| HDFC PG | For all MASTER / VISA Credit Cards (Not International Credit Cards) / Debit cards (If enabled by card Issuer). Transaction Charge 1.8% |
| CITI PG | For all MASTER / VISA / DINERS CLUB CREDIT CARDS / VISA Debit cards (If enabled by card Issuer).Transaction Charges 1.8%+Service Tax as applicable |
| American express | For all credit cards issued by American Express. Transaction Charges 1.8% |
| Payment through Credit Cards EMI Option | |
| ICICI BANK EMI | Pay in 3 installments with your ICICI Bank Credit Cards. Transaction charges 4.65%. |
| CITI Bank EMI | Pay in 3 installments with your Citibank/Diners Club Credit Cards. Transaction charges 2.8%. |
| Payment through ATM cum Debit Cards on Payment Gateways | |
| AXIS PG | For all Debit cards (If enabled by card Issuer). Transaction charges of approx 1.65%. |
| ICICI PG | For all Debit cards (If enabled by card Issuer). Transaction Charge approx 1.8% |
| HDFC PG | For all Debit cards (If enabled by card Issuer). Transaction Charge approx 1.8% |
| Payment through ATM cum Debit Card | |
| CITI Bank | Transaction charges of Rs.10/- or 1.8% whichever is higher + Service Tax as applicable |
| Punjab National Bank | Transaction charges of Rs.10/- per transaction |
| Indian Bank | Transaction Charges of Rs.10/- per transaction |
| SBI ATM-cum-Debit Card | Transaction charges of Rs.10/- per transaction |
| Andhra Bank | Transaction charges of Rs.10/- per transaction + Service Tax as applicable |
| Canara Bank | Transaction Charges of Rs.10/- per transaction |
| Bank of India | Transaction charges of Rs.10/- per transaction |
| Union Bank Of India | Transaction charges of Rs.10/- per transaction |
| ICICI Debit | Transaction charges of Rs.10/-+ Service Tax as applicable |
| Payment through Net/Mobile Banking facility | |
| HDFC Bank | Transaction Charges of Rs.10/- + service tax and education cess as applicable |
| ICICI BANK | Transaction Charges of Rs.10/- + Service Tax as applicable |
| Andhra Bank | Transaction Charges of Rs.10/- + Service Tax as applicable |
| AXIS Bank | Transaction Charges of Rs.10/- + taxes per transaction |
| The Royal Bank of Scotland N.V. | Transaction Charges of Rs.10/- +Service Tax as applicable |
| IDBI Bank | Transaction Charges NIL |
| Indian Bank | Transaction Charges of Rs.10/- per transaction |
| State Bank of India | Transaction charges of Rs.10/- per transaction |
| PNB-Net Banking | Transaction Charges NIL |
| Federal Bank | Transaction Charges NIL |
| Syndicate Bank | Transaction charges of Rs.10/- per transaction |
| Indusind Bank | Transaction Charges NIL |
| Karnataka Bank | Transaction charges of Rs.10/- per transaction |
| Corporation Bank | Transaction charges of Rs.12/- per transaction |
| Bank of India | Transaction charges of Rs.10/- per transaction |
| Rajasthan Bank | Transaction Charges Rs.15/- per transaction |
| SBI Associates | Transaction Charges Rs.10/- per Transaction |
| Oriental bank of commerce | Transaction charges of Rs.10/- + Service Tax as applicable |
| Union Bank Of India | Transaction charges of Rs.10/- per transaction |
| Bank of Baroda | Transaction Charge NIL |
| Central Bank of India | Transaction Charges of Rs. 10/- Per transaction + Service Tax as applicable |
| Bank of Maharashtra | Transaction Charges of Rs. 10/-per transaction (Inclusive of Service Tax) |
| IMPS | Transaction charges Rs. 5 for TXN Amt. up to Rs. 5000/- and Rs. 10 for above |
| Allahabad Bank | Transaction charges of Rs.10/-+ Service Tax as applicable |
| Payment through Cash Cards | |
| ITZ Cash Card | Transaction charges Rs. 10/- or 1.5% whichever is lower |
| I Cash Card | Transaction charges Rs. 10/- or 1.5% whichever is lower |
| OxiCash | Transaction charges Rs. 10/- or 1.5% whichever is lower |
| Beam Cash Card | Transaction charges Rs. 10/- or 1.5% whichever is lower |
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Mr Prem Krishnan, My question is why all has to pay transaction charges to a bank for a delayed transaction. (i.e) Due to bank server problems. This has happened to me a Dozen times. Correct me if i am Wrong.
You are right. As per IRCTC rules they will collect booking Service & Transaction Charges. Delayed Payment is not only happening to you its happening for all. It’s all happening when everyone is trying to accessing server and book train ticket at peak time. To avoid this, you can book train ticket at free time instead of peak time.