Indian Railways – The Era of Cashless Transactions

In order to support Indian government’s demonetisation move, Indian Railways has already started performing cashless transactions. Almost 99.9% of the total working expenditure is cashless and more than 95% of freight earning is also cashless. E-ticketing option is available and 75% of reserved ticketing is cashless. Around 2650 automatic ticket vending machines sell unreserved E-tickets. 12% of the unreserved tickets are through these machines. Also, mobile/cellular booking of unreserved tickets, including platform tickets and monthly passes, has been made available on seven suburban railway stations like Mumbai, Chennai, Kolkata, Delhi and Secunderabad.

Cashless Transactions IRCTC Mobile App Booking

Step 1: Register and login into the account by providing correct username and password.
Step 2: Select source and destination station with date of journey.
Step 3: Fill up the journey particulars and passenger details.
Step 4: Select payment options from wallet, credit card, debit card or net-banking.
Step 5: After successful payment, ticket is booked and passenger gets SMS or e-mail for booked ticket.


  • The service is available from anywhere in India in 12 languages.
  • Dial 139, select preferred language and opt menu option 5 for reserved ticket booking.
  • Share your booking related details like train, date of travel, passengers, mobile number, etc. with operator.
  • Operator will update passenger with the accommodation availability and total booking amount.
  • In case, passenger is interested in booking, call will be transferred to secured IVRS channel for online payment.
  • Make payment to 139 through secured IVRS using credit card, debit card or Vodafone m-pesa mobile wallet.
  • After successful payment, operator will book the ticket. The ticket will be sent through SMS.

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