Thursday 7 January 2016

Latest Government Schemes in India: APY, PMJBY, PMSBY

Atal Pension Yojana (APY)


Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJBY)

Life insurance cover of Rs. 2 lacs for an annual premium of Rs. 33 for all customers in the age group of 18 to 50 years.

Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Accident Insurance cover of Rs. 2 lacs for an annual premium of Rs. 12 for all customers in the age group of 18 to 70 years.

Process of refund by IRCTC in case of waiting list of Indian Railway Ticket booking

This article is based on the response made by the IRCTC customer care in reply of my email on Oct 15, 2015. We can contact IRCTC care using care@irctc.co.in or 011-39340000 and can visit at www.irctc.co.in.

I asked:


1. When will (on which date) Indian Railway refund me?
2. How much will deduct?
3. Will this cancellation happen automatically (should I do something to cancel)?

They have replied:


Kindly note that CKWL means tatkal wait list ticket and confirmation your ticket depends upon the cancellation and on existing railway rules. The final status of your ticket will be available after preparation of chart.

And as per the rule the passenger cannot travel with the waitlisted e-ticket if does not get confirmed after chart preparation.

Also note that in a wait list ticket if all the passengers remains wait list even after chart preparation, then the customer need not to apply to IRCTC for cancellation and refund. Cancellation will be executed by the system automatically after chart preparation and refund will be credited with in 6 to 7 working days electronically in the respective account.

Further note that as per Indian Railway rules in case of waitlisted ticket including tatkal ticket cancellation charges Rs. 30/- per passenger shall be deducted and rest of the amount including tatkal charges is refunded to the same account from which the amount is paid.

For Partially Confirmed ticket (Incase All passengers not travelled)
Kindly note that For Partially Confirmed ticket (If All passenger not traveled) then you have to filed TDR within two hours after the actual departure of the train.
You can file the TDR for E-tickets at our website by following below steps:
1. Login to irctc.co.in
2. Click on File TDR link under “My transactions†and select the PNR no.
3. Fill the required details and click on submit button.
Note: No refund shall be granted on Partially confirmed ticket against which none of the Passengers has traveled, if it is surrendered /TDR filed two(2) Hours after actual departure of the train.

For Partially Confirmed ticket (If Some passenger not travelled)
In case of E-Ticket Issued more then one passenger ,some passengers have confirmed reservation and others are on RAC or Waitlist (Party partially travelled) A CERTIFICATE HAS TO BE OBTAINED FROM THE TTE to that effect and online TDR shall have to be filed within seventy two(72) hours after actual arrival of the train at passenger’s destination indicating the details of the certificate issued. The certificate shall be sent to:
Group General Manager/IT,
Indian Railway Catering and Tourism Corporation Ltd.,
Internet Ticketing Centre, IRCA Building,
State Entry Road, New Delhi - 110055,
Internet Ticketing Centre, IRCTC, IRCA Building,
State Entry Road, New Delhi-110055