IRCTC UPI Charges: Transaction Fees & Payment Details

Know about IRCTC UPI charges, transaction fees, and limits for train ticket booking. Find out how to make secure payments using UPI on IRCTC.
IRCTC UPI Charges: Transaction Fees & Payment Details
SET UP UPI
5 mins
11 February 2025

What are IRCTC UPI charges?

The Indian Railway Catering and Tourism Corporation (IRCTC) offers various payment methods for booking train tickets, with Unified Payments Interface (UPI) being a popular choice. UPI allows users to make instant payments directly from their bank accounts without the need for card details.

As of the latest available information, IRCTC does not levy any additional transaction charges for payments made through UPI. This means that when passengers book tickets using UPI, they pay only the ticket fare and the standard convenience fee, with no extra charges for the payment method itself.

It's important to note that while IRCTC doesn't impose UPI transaction fees, a convenience fee is still applicable. For non-AC class tickets, the convenience fee is Rs. 10 plus GST per ticket, and for AC class tickets, it's Rs. 20 plus GST per ticket.

UPI transaction fees for IRCTC bookings

When booking tickets through IRCTC, the following payment gateway providers offer UPI payment options with no additional transaction charges:

  • Paytm: NIL for UPI transactions.
  • Razorpay: NIL for UPI transactions.
  • PhonePe: NIL for UPI transactions.
  • PayU: NIL for UPI transactions.
  • IRCTC iPay: NIL for UPI transactions.
These options ensure that passengers can choose their preferred UPI service without incurring additional fees.

Payment methods accepted by IRCTC

IRCTC accepts a variety of payment methods to cater to different passenger preferences:

  • Credit cards: Visa, MasterCard, American Express, and others.
  • Debit cards: All major banks' debit cards.
  • Net banking: Direct bank transfers from numerous banks.
  • UPI: Unified Payments Interface for instant bank transfers.
  • E-wallets: Digital wallets like Bajaj Pay, and others.
  • IRCTC eWallet: A pre-paid wallet service by IRCTC.
Each payment method may have its own associated charges, so passengers should review these before selecting.

How to pay for IRCTC tickets using UPI

Paying for IRCTC tickets using UPI is straightforward. The following table outlines the steps involved:

1. Log in to the IRCTC website or mobile app

2. Enter your travel details and search for trains

3. Enter passenger details and proceed to the payment page

4. Choose 'UPI' as your payment method

5. Enter your UPI ID (e.g., yourname@bank)

6. Confirm the payment request on your UPI app

7. Enter your UPI PIN to authorise the transaction

8. Receive booking confirmation from IRCTC

This process ensures a quick and secure payment experience.

Benefits of using UPI for IRCTC ticket booking

Utilising UPI for ticket bookings offers several advantages:

BenefitsDescription
Instant paymentsUPI enables real-time transactions, ensuring immediate booking confirmations.
No additional chargesIRCTC does not impose extra fees for UPI transactions, making it a cost-effective option.
Enhanced securityUPI transactions are secured with two-factor authentication, reducing the risk of fraud.
ConvenienceUsers can pay directly from their bank accounts without the need for card details.


These benefits make UPI a preferred payment method for many passengers.

Conclusion

UPI has become a favored payment method for IRCTC bookings due to its speed, security, and cost-effectiveness. Passengers can enjoy a seamless booking experience without worrying about additional transaction charges.

As digital payment methods continue to evolve, UPI remains a reliable and efficient choice for train ticket reservations.

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

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Frequently asked questions

Does IRCTC charge for UPI transactions?
No, IRCTC does not impose any additional charges for UPI transactions. Passengers pay only the ticket fare and the standard convenience fee.

What is the maximum limit for UPI payments on IRCTC?
The maximum limit for UPI transactions is determined by individual banks and UPI service providers. Typically, this limit ranges from Rs. 1 lakh to Rs. 2 lakhs per transaction. Passengers should check with their respective banks for precise limits.

Is there any convenience fee for UPI payments on IRCTC?
Yes, IRCTC charges a convenience fee for all online bookings. For non-AC class tickets, the fee is Rs. 10 plus GST per ticket, and for AC class tickets, it's Rs. 20 plus GST per ticket. This fee applies regardless of the payment method used.

Can I use Bajaj Finserv BBPS for IRCTC bookings?
As of now, IRCTC primarily supports payment methods like credit/debit cards, net banking, UPI, and e-wallets. Passengers should verify the latest payment options on the IRCTC website or app.

Are there any restrictions on UPI transactions for IRCTC bookings?
Yes, UPI transactions may be subject to daily limits set by banks or UPI service providers. Some banks may impose a transaction limit of Rs. 1 lakh per day, while others may allow up to Rs. 2 lakhs. Additionally, new UPI users might face lower limits for initial transactions.

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