IRCTC iMudra online payments app makes ticket booking easier, smoother and faster

IRCTC has added the option to make payments through e-Wallet for all train bookings on its mobile app and website. The earlier user could only pay with their Debit/Credit card, Net banking or UPI, which used to take more time as the user had to punch in the card details and wait for OTP sent by the bank for verification after which the payment gateway will communicate with the bank server for large transactions. To squeeze the time of transaction and to give users the ease and convenience of making payments in just a few clicks, IRCTC launched iMudra- an online payments app that gives you the power to go cashless.

IRCTC’s Mastercard Digital Wallet, iMudra is basically a scheme under which users can deposit money in advance with IRCTC and use it as a payment option for paying money at the time of booking train or air tickets which is why it is also known as Best E-wallet with Debit Card in the country.

IRCTC iMudra allows users the following advantages:

1. Hassle-free and secure transactions
2. Precious booking time saved by eliminating payment approval cycle
3. The benefit of saving payment gateway charges per ticket
4. Manage account online and top-up online
5. App to send money instantly to your loved ones or receive money from those who use the app, in case of an emergency.
6. Dependency on banks or ATM machine is reduced and you can still book air, flight, or movie tickets and shop online or pay for your hotel or restaurant bill via IRCTC iMudra online payments app

Users will now be able to book train tickets with ease including tatkal tickets and will be able to enjoy features like: -

1. User Authentication — IRCTC iMudrae-Wallet app users are verified and authenticated through their PAN or AADHAAR card in an online verification process.
2. Secure Access — The fastest payment method, IRCTC iMudra offers secure booking by providing Transaction Password/ PIN number that is required to be entered for every booking done through IRCTC iMudra e-Wallet app.
3. Complete History — the user is provided with a separate link namely, IRCTC e-Wallet app that offers e-Wallet transaction history, e-Wallet payment history, and e-Wallet change transaction.
4. Easy Refund — In case of ticket cancellation, the due refund will be credited to your IRCTC e-Wallet account the next day.

An IRCTC iMudra account comes with Mastercard digital wallet and a prepaid card. Whether you are booking tickets on IRCTC, purchasing goods on a nearby retail store or withdrawing money from the ATM, IRCTC iMudra makes all these transactions easy, secure and seamless.

IRCTC iMudra card is a prepaid card. However, while transacting online, you can choose Credit Card on the payment page to transact with your iMudra card. A registered user can have one virtual card and one physical card. The user is charged Rs 10 for the virtual card and Rs 200 for the physical card. There are no card activation fees.

iMudra card ATM charges: The first three transactions in a month on a Federal Bank ATM are free. Any subsequent transaction will be charged at a rate of Rs 20 + applicable taxes. Any transaction on a non-Federal Bank ATMs will be charged at a rate of Rs 20 + applicable taxes. Currently, the card allows you to make purchases only on Indian websites only.

Wallet limit: For minimum KYC verified users, the monthly wallet limit is Rs 10,000. For full KYC verified users, the monthly wallet limit is Rs 1,00,000. Full KYC enables the app to send money instantly to friends and family (recipient needs to be full KYC as well), enables ATM withdrawal on the physical card.

Finally knowing all that IRCTC’s e-Wallet app — iMudra has to offer, here are 6 easy steps through which you can book tickets:

1. Login to IRCTC with your existing IRCTC user id and password.
2. Click the “IRCTC e-Wallet registration” link under IRCTC e-Wallet section in the “Plan my travel” page.
3. Complete verification process by providing PAN or AADHAAR card details and other information required.
4. Deposit a one-time registration fee of INR 50/- (excluding service tax) online with any of the available payment options.
5. Credit the IRCTC e-Wallet account with a minimum deposit fee of INR 100/- and top-up with the required booking amount.
6. Pay ticket booking amount through IRCTC e-Wallet app which is displayed as a payment option available.

With all this being said, the “online payments app”, iMudra is the best e-Wallet with Debit Card. Download it today from Google Play Store or App Store or visit www.irctcimudra.com