IRCTC Reservation Failed Transaction Refund Rules
IRCTC Amount Debit But Ticket Not Booked
What to Do If IRCTC Transaction Failed but Amount Debit?
No, You Not need to do anything read Following details Given by IRCTC.
If amount getting debited from customer account and ticket not issued, IRCTC will refund the entire Fare and IRCTC service charges electronically (as credit to the relevant credit /debit card account used for the transaction), but the bank/card transaction charges are likely to be forfeited.
IRCTC’s payment reconciliation team works on a 24 x 7 basis, IRCTC offers no guarantees whatsoever for the accuracy or timeliness of the refunds reaching the Customers card/bank accounts.
This is on account of the multiplicity of organizations involved
in processing of online transactions, the problems with Internet infrastructure currently available and working days/holidays of financial institutions.