If your train is delayed by more than three hours, you are eligible for a full refund. Here's a step-by-step guide to the process.

If your train is delayed by 3 hours or more and you no longer wish to travel, you can cancel your ticket to receive a full refund. Keep in mind that this facility is only available if you cancel your ticket before your journey begins.

If your train is delayed by 3 hours or more and you cancel your journey, there will be no deduction. Your full ticket amount will be refunded. The refund will be credited directly to your bank account. However, it may take a few days for the refund to be processed, typically 7 days and up to 90 days.

A TDR (Ticket Deposit Receipt) is a document used to inform the Railways that your train is delayed and you wish to cancel your ticket. Filing a TDR is essential so that the Railways can process your refund request.

The process of filing a TDR is very simple on the IRCTC website or mobile app. Log in to the IRCTC website or mobile app, go to the Services tab and select the File TDR option. Go to My Transactions, select the ticket for which you want a refund and the reason. Then press the Submit button and submit the request.

Once the TDR is filed, the Railways transfers the refund to your bank account. Besides filing a TDR, you can cancel your ticket through several other methods, including at the ticket counter at the railway station, through the Railway Call Center, and through the IRCTC mobile app or website.

You can cancel your ticket not only because of a train delay, but also for a variety of other reasons. Such as train schedule or route changes, natural disasters or administrative reasons, personal emergencies or unforeseen circumstances, and mistakes made while booking tickets.

In such cases, always file a TDR immediately if the train is delayed. Do not commence your journey before canceling the ticket. Enter correct bank account details so that the money is credited directly to your account. If you encounter any problems, contact the railway helpline or IRCTC support.