Now IRCTC Reports to CIBIL


The Indian Railways, IRCTC (Indian Railway Catering and Tourism Corporation) functions under the esteemed guidance of the current Minister of state for railways, Suresh Prabhakar Prabhu. He has been closely working in support with Modi Government to revive the Indian rail service. Much reform has been experienced in the rail sector with most of it being extremely commendable.

A new advancement in this regard has been the innovation experienced by the humble rail ticket payment gateway system. This robust process has been upgraded for the first time ever in its history with an advance mode of payment medium- the POD mode (‘Pay-on-Delivery’). Under this user-friendly module, the face of rail ticketing will materialize into a much modern and urban system. Users will be given the option to pay for tickets at the time of delivery of the rail tickets.


Why POD Payment Option?

This effective concept empowers users to get the rail tickets booked by them through the IRCTC website or the IRCTC mobile app, delivered right at their doorsteps. All they have to do is manually choose to opt for POD as the mode of payment from the list of payment options. A delivery charge and Service Tax will be levied upon the transaction amount.

The Pay-on-Delivery option will thus capture the market of those users as well that go through travel agents for booking of their rail tickets. It will also encourage users who have become comfortable with going to the railway reservation centers for booking tickets to try their hand at online ticketing through the internet.

It is thus a time and cost effective way of booking rail tickets and will also allow POD transaction payments to be made in cash. Thus, the model is much similar to the COD model (Cash-on-Delivery) functioning successfully all over India.

Payment-on-Delivery Payment Option’s Reach

It is estimated that this new age payment service will cover 600 cities and towns spread over 4000 pin codes. Initially, in its prime run, the POD service of home delivery payment would be made available to rail travelers 5 days before the scheduled departure date of their trains.

How Will POD Function?

A few pointers as to how this payment model will function and the steps involved are listed below:

Step 1: One-time user registration – Users need to be registered on the online IRCTC portal for availing Payment-on-Delivery payment option for their rail tickets.

Step 2: Government issued ID proof verification – Customers need to share either their PAN Card or Aadhaar Card details for becoming eligible to avail the POD payment option.

Step 3: Delivery charges shall be levied of –

  • 90 plus Service Tax [for transactions of up to Rs. 5000 (if any)]
  • 120 plus Service Tax [for transactions of value more than Rs. 5000 (if any)]

Step 4: A PDF file format document of the transaction entered will of course become available and be sent to the user’s registered email account like it has been done till date for e-ticketing.

Role of CIBIL in context to IRCTC’s new payment upgrade

Though the POD option of payment is very attractive for all rail users, a few may feel the pinch in regards to the delivery charges and cancellation fee. In the case of either cancellation of the ticket before delivery or refusal to accept deliver, delivery charges and cancellation fee will stand levied to the account of the customer.

Any default or delay in payment of the above-mentioned charges will bring upon the user strict action as per law. The customer’s user id will be deactivated from the IRCTC website and its associated mobile application. Also, such behavior will also reflect upon the customer’s CIBIL score negatively for non-payment or late payment of IRCTC dues.

Hence, it has been decided upon in relation with CIBIL that any refund against cancellation of rail ticket shall be tendered to the user’s bank account only and not be done by any other means.

Updated: May 15, 2017 — 1:30 pm


Add a Comment
  1. Thanks for such an informative article !

  2. Omg!!! CIBIL is recording all data!

  3. Will paying fine on time or Accepting delivery every time will also be recorded towards positive CIBIL score?

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