
Passengers whose train is delayed by three hours or more can claim a full refund on their ticket if they do not travel. The refund requires filing a Ticket Deposit Receipt (TDR) online through the IRCTC portal before the train departs. No refund is given if the passenger travels despite the delay or if the TDR is filed after the train has left.

The railway verifies the delay claim online after the TDR is submitted. If the delay of three hours or more is confirmed, the refund is processed without any deduction. The rule applies to tickets booked online, counter-ticket passengers need a separate procedure. Festival special trains currently running late are covered by the same policy.
The refund is automatic only for online tickets when a train is three hours late, counter-ticket holders must file a separate claim. Railway staff at stations are not required to volunteer this information, leaving passengers who do not read the rules unaware. The process depends entirely on a passenger filing a TDR before departure, which many miss while waiting. No provision exists for compensation of lost time or alternate arrangements for stranded passengers.
Source: amarujala.com
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