What is the IRCTC Auto-Pay feature?

The Auto-Pay feature allows automatic payments for train ticket bookings from linked bank accounts or cards.

Who can use the IRCTC Auto-Pay feature?

Any IRCTC user with a registered account can use the Auto-Pay feature.

How do I activate the Auto-Pay feature on IRCTC?

Log into your IRCTC account, visit the 'Profile' page, select a bank account or card, set a daily or monthly payment limit, and complete OTP validation.

What types of accounts can be linked for Auto-Pay?

You can link any Indian bank account or card to your IRCTC profile for Auto-Pay.

How does the Auto-Pay feature work during ticket booking?

Once activated, the fare and service charges are automatically debited from your linked account when you book a ticket.

Home

Schemes

Services

Community

About Us

Try IRCTC Auto-Payment For Your Next Journey With Indian Railways

Pragya Pathak

Author

Updated: 28-01-2025 at 6:13 AM

Try IRCTC Auto-Payment For Your Next Journey With Indian Railways

Indian Railway Catering and Tourism Corporation’s (IRCTC) ‘Auto-Pay’ feature enables rail passengers to avail of touch-free, convenient ticket booking with automatic payments from linked bank accounts. This does away with the need for repeated online transactions.

Let us understand how it enhances the IRCTC ticketing process and passenger experience through a seamless integration of booking, profile, and payment modules.

The Need For Seamless Ticket Booking

Over 15 lakh tickets are booked daily on IRCTC through its website and app. Navigating payment gateways and transaction authentication steps makes the process tedious, especially for regular travellers. Auto-pay eliminates these payment-linked hassles by enabling automated debits from traveller accounts as per pre-set limits.

This allows customers to focus solely on selecting train preferences with profile and budget details pre-loaded to facilitate scheduling, thereby helping boost both convenience and transaction efficiency.

Also read: Get Confirmed Train Tickets. Know How!

What Is IRCTC Autopay?

IRCTC Autopay is an option for payments on the website and in the application, developed by IRCTC itself as the iPay payment system. In the autopay system, passengers can pay for a train ticket, and they do not have to make the payment in advance. However, the funds are charged only when the ticket is being booked, thus minimising the possibility of being charged for failed bookings.

How Does IRCTC Auto-Pay Work?

The IRCTC auto-pay functionality is integrated into traveller accounts. Key features include:

Enabling users to tag any Indian bank account or card to their IRCTC profile.
Auto-debit of ticket fares and service charges for bookings as per pre-defined daily or monthly limits.
Immediate booking confirmation without payment approval steps after limits are set.
Customers can still cancel or modify tickets before chart preparation.
Payment alerts via SMS for transaction transparency.

The automated payment system works seamlessly once registration formalities and limits are set. Users only need to select a travel class, enter journey details, and finalise the booking.

Also read: Get Refund After Cancelled Train Ticket

Benefits Of IRCTC Autopay

The following are some important benefits of the IRCTC payments when done via Auto-pay mode:

Waitlist Protection

They get their tickets with a waiting list, and if the ticket doesn’t get confirmed, their money is safe. A payment hold (lien) is placed, which means that they can use the money elsewhere; thus, flexibility is seen.

Waitlist Tatkal

In the case of Tatkal tickets on the waitlist, passengers are charged only when the ticket does not get confirmed once the chart is prepared. If a ticket is cancelled, all the remaining amount is refunded.

Instant Refunds

When a waitlisted ticket is not confirmed immediately, all passengers are given back their tickets, and the fares are refunded without having to wait for three to four days. This enables them to easily tour the other travel possibilities in case this one is not suitable for them.

Steps To Avail The IRCTC Auto-Pay Facility

Follow these steps to activate IRCTC auto-pay or to add money to your IRCTC e-wallet:

Step 1: Log into your IRCTC account and visit the ‘Profile’ page. Step 2: Select a bank account or card and set the daily or monthly payment limit. Step 3: Tag the account to the profile after OTP validation.

Step 4: Visit the ‘Book Ticket’ page and select Train as usual.

Step 5: Review travel details and submit a booking request. Step 6: The fare gets automatically debited from the linked account.

Customers can also switch off auto-pay for specific transactions if needed and revert to manual payments. The intuitive design empowers travellers with flexibility too.

Benefits Of Contactless Ticket Booking

Key advantages of IRCTC's auto-pay facility include:

Faster ticket booking saves repeated transaction efforts.
Prevents last-minute booking hassles due to payment delays or failures.
Enables seamless scheduling of periodic travel like office trips.
Payment alerts ensure transparency in debit transactions.
Customers retain the flexibility to change limits or payment modes.

Conclusion

As India rapidly adopts contactless services across sectors for a better user experience, IRCTC’s automated fare payment solution signifies the tech-enabled evolution underway in public systems. Scalability, however, lies in robust cybersecurity, given the financial data involved. Overall, the auto-pay feature enhances both transaction efficiency and traveller satisfaction metrics—an example of how digitisation delivers convenience.

Stay updated with Jaagruk Bharat to get the latest information on government healthcare schemes and more, and reach out to us via our community page if you have any questions.

Government Sources

Official Website

Frequently Asked Questions

2k Views

Add a comment here...

No comments available

Was this helpful?

For more content like this

Harsha Vardhanan

harsha_iyar

Thank you for posting valuable information ✨

23 Nov 2021

Verified User

Manjunath Nayak

nayak

Good portal for common man, very useful

23 Nov 2021

Verified User

Suraj Patil

suraj

Jaagruk Bharat does a fantastic job of breaking down complex policies into easy-to-read articles and videos, ensuring accessibility for all citizens.

23 Nov 2021

Verified User

Sankesh Hegde

sankesh

A very helpful website that aggregates and simplifies government guidelines, providing clear information in various languages for better public understanding.

23 Nov 2021

Verified User

ATHARV HANDE

@atharvhande744

Thank you very much for information ❤

23 Nov 2021

Verified User

Categories

Women

Insurance

Finance

Tax

Travel

Transport & Infrastructure

Food

Entertainment

Communication

Government ID Cards

E-commerce

Traffic guidelines

Miscellaneous

Housing and Sanitation

Sports

Startup

Environment and Safety

Education

Agriculture

Social cause

Jaagruk Bharat with its team work tirelessly to bring all government schemes, Sarkari Yojanas, policies and guidelines to you in a simplified and structured format.
Our team is at the forefront of gathering, verifying and breaking all central government and state government regulations uncomplicatedly.

Our mission and vision are to make the common citizen of India aware of all government-laid-out rules and policies in a single place. Thus, we Jagruk Bharat have created an all-inclusive portal for 1.5 billion Indian citizens to understand, utilize and avail benefits of govt schemes and policies and by bringing them under one roof.

Jaagruk Bharat (जागरूक भारत) is a one stop centralised destination where you can effortlessly find, understand, and apply for various government schemes. We are committed to ensuring transparency and empowering Indian citizens. Our goal is to keep India Jagruk about government policies, the latest news, updates, and opportunities.

जागरूक भारत अपनी टीम के साथ मिलकर लगातार काम करता है ताकि सभी सरकारी योजनाओं, नीतियों और दिशानिर्देशों को सरल और व्यवस्थित तरीके से आपके सामने पेश किया जा सके। हमारी टीम केंद्रीय और राज्य सरकार के सभी नियमों और विनियमों को आसानी से इकट्ठा करने, सत्यापित करने और प्रस्तुत करने में सबसे आगे है।

हमारा मिशन और दृष्टिकोण यह है कि भारत के हर नागरिक को सभी सरकारी नियमों और नीतियों से एक ही स्थान पर अवगत कराया जाए। इसलिए, हमने जागरूक भारत के रूप में 1.5 अरब भारतीय नागरिकों के लिए एक समग्र पोर्टल तैयार किया है, जहां वे सरकारी योजनाओं और नीतियों को समझ सकें, उनका उपयोग कर सकें और लाभ उठा सकें, सभी जानकारी एक ही छत के नीचे उपलब्ध है।

जागरूक भारत (Jagruk Bharat) एक केंद्रीकृत और सुव्यवस्थित गंतव्य है, जहां आप विभिन्न सरकारी योजनाओं को आसानी से खोज, समझ, और आवेदन कर सकते हैं, जिससे पारदर्शिता सुनिश्चित होती है और भारतीय नागरिकों को सशक्त किया जाता है।
हमारा उद्देश्य है कि भारत को सरकारी नीतियों, नवीनतम समाचारों, अपडेट और अवसरों के बारे में जागरूक बनाया जाए।जागरूक भारत (Jagruk Bharat) की मदद से आपकी कठिन से कठिन समस्या का आसान समाधान होगा...

अपने हक़ को अपनाओ ! जागरूक भारत पर आओ