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Rolling Deposit Scheme by IRCTC to solve banking server problem in ticket booking

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IRCTC has decided to launch Rolling Deposit Scheme (RDS), a hassle-free e-ticket booking scheme in which the user will be able to book e-tickets against advance money kept with IRCTC. 
Under the Rolling Deposit Scheme, a user can deposit money in advance with IRCTC and use it as a payment option amongst the other payment options available on IRCTC website for paying money at the time of booking tickets. 

It will reduce the payment gateway time for the user as money will be deducted from the IRCTC and not from any bank as is the current practice.  There are about 10% failure in e-ticket booking due to the banking server problem.

Besides IRCTC will also not levy the payment gateway charge for booking e-ticket through RDS.

 User can join the RDS with a minimum amount of Rs 1500 to 2000.  


Registration fee

The account can be opened with a registration fee of Rs. 250, which can be redeemed while booking tickets later.

The IRCTC will provide facility for the user to track the transaction history and in case of cancellation of ticket, the refund would be deposited in the account the very following day.

The official authentic announcement will be published soon by the IRCTC

IMPS merchant payments already launched by IRCTC 

An Overview:

IMPS Merchant Payments (P2M – Person-to-merchant) service allows customers to make instant, 24*7, interbank payments to merchants or enterprises via mobile phone. IMPS enables mobile banking users a facility to make payment to merchants and enterprises, through various access channels such as Internet, mobile Internet, IVR, SMS, USSD.
The key features of IMPS merchant payments service are as follows:

  • Instant Interbank fund transfer
  • Merchant needs to get on-board IMPS network with one Bank. Customer of any Bank in the IMPS merchant network can make payment to merchant through IMPS
  • Convenient and time-saving
  • Anytime, anywhere service
  • Safe & secure
  • 24*7*365 availability Instant
  • Instant confirmation to sender and receiver


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