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IRCTC Railway Ticket Booking on EMI

IRCTC has done some thing special for its passengers, it has introduced Equated Monthly Installment (EMI) system for IRCTC online ticket booking though Citibank. Indian Railway ticket booking on EMI is a beneficial for passengers who travels a lot or go on unplanned long distance journey and booking Tatkal tickets on premium trains. This year IRCTC has increased the fare of trains and booking tickets on premium trains become much more costlier due to huge demand during festival season. Also the booking tickets on EMI is beneficial for booking tourist trains offered by IRCTC at IRCTCrailtourism.
This new facility is not of much benefit to those who are not frequent travelers, although they can use the facility but it will create an extra burden on them for paying monthly installments for booked tickets.

railway ticket booking EMI option
Railway Ticket booking EMI option

IRCTC Indian Railway ticket booking on EMI steps and tips

  • The EMI facility for ticket booking is available only on IRCTC online ticket booking.
  • So log in to IRCTC website using your account.
  • Search for your train and plan your journey and make payment for your IRCTC reservation.
  • Now you will see an additional option of EMI payment besides the credit card booking, debit card booking and Net banking options.
  • If you click on the EMI option then you will be asked to share credit card details. After filling in those details, the entire ticket amount will be deducted from your credit card account and transferred to the IRCTC account. Then you have to pay that payment to the bank in monthly installments.
As of now the EMI facility is available only for passengers having Citibank credit cards. It is useless for a large number of people who don't have City bank credit card. Indian Railways has tied-up with Citibank to offer EMI facility for IRCTC online ticket booking.

There are only 12.3% Citibank credit card holders in India. The IRCTC should have tied up with other banks for offer EMI option. It needs to tie-up with more banks, the three largest issuers of credit cards in the country, which account for 58.9% of India’s credit card base especially HDFC, ICICI and the State Bank of India.

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