Indian Railways Rule: Get a Full Refund If Train Is Delayed by Three Hours or More, Here’s How

New Delhi: Trains remain one of the most affordable and dependable modes of travel across India, with millions of passengers relying on them every day. However, during winter and monsoon months, weather-related disruptions such as fog and heavy rain often lead to significant delays — leaving travelers frustrated.

Few passengers, however, are aware that if a train is delayed by three hours or more, travelers are entitled to a full refund, provided they choose not to undertake the journey. This right is clearly outlined under the rules of the Indian Railways, and knowing it can help passengers avoid unnecessary losses.

According to the official guidelines, if a passenger decides to cancel their trip due to a delay of three hours or more, they can claim the entire fare amount back without any deductions. The refund is processed directly to the passenger’s bank account. However, it’s important to cancel the ticket before the journey begins to be eligible for the refund.

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Railway officials clarify that no cancellation charges or service fees will be applied in such cases. Once the Ticket Deposit Receipt (TDR) is filed, the refund process typically takes between 7 and 90 days to reflect in the passenger’s account.

What Is a TDR and Why Should You File It?

A Ticket Deposit Receipt (TDR) is an official request submitted by a passenger to claim a refund for unused tickets under special circumstances. It is particularly useful when passengers are unable to cancel tickets through the standard online system or when the journey is disrupted by unavoidable reasons.

Common situations where filing a TDR is applicable include:

• When a train is delayed by more than three hours and the passenger decides not to travel.
• When the train is cancelled by Indian Railways.
• If the AC coach is non-functional or the passenger is accommodated in a lower class than the one booked.
• When the train route is diverted, and it does not reach the passenger’s boarding or destination station.
• In cases of partially confirmed tickets, where some passengers from a group do not travel.

How to File a TDR

Passengers can conveniently file a TDR online using their PNR number through the official IRCTC website or mobile app. During the process, travelers must select the appropriate reason for not travelling. Once submitted, Indian Railways verifies the claim and processes the refund according to its regulations.

For more detailed information, passengers are advised to visit the official Indian Railways website or the IRCTC portal, where complete rules and eligibility conditions for refunds and cancellations are available.

By understanding and exercising this right, passengers can ensure they don’t lose their money when travel plans are disrupted by train delays — a small but significant safeguard for millions of regular railway commuters.