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Complaint Letter to Bank: IRCTC refund not Credited to Account

If you cancel the IRCTC train tickets within the time limit prescribed under their refund policy, you are eligible for a refund money. You should receive the money in your bank account within a few days after cancellation.
letter to bank manager for amount not credited

But, if you do not receive the refund money after several days. Then you should write a complaint email to IRCTC about the refund status. Or you can check at IRCTC website for refund status. In the refund status, they will provide the "reference number, date of refund and amount" of the refund transaction, which are very important for cross checking by the bank to track the refund transaction.

If the bank does not give credit for the money, then at first you have to lodge an online complaint with the bank. If the same is not responded at all or not resolved, you can write a letter or an email to the higher authority of the bank.

Please check the website of the bank to find out the name, designation, address and contact details of the higher authority to whom the complaint has to be addressed.

Here is a sample of such a complaint letter.


Date: ..................

(Name of the Account Holder)
(Telephone Number)
(Email Id)

(Designation of the Officer)
(Name of the Bank)
(Telephone Number)
(Email Id)

Subj.: Non-credit of refund amount to my account

Respected Sir/Madam,

I am presently holding a savings account bearing number ................. at the ............... branch office of your bank. I had cancelled the tickets booked on IRCTC on (Date). IRCTC refunded the money to my said bank account.

I waited for several days but the money was not credited to my account. I complained the matter to IRCTC and they provided me with the following details of the refund:

> Refund of Rs. ............. against Ref. No. .............. on (Date).

I had lodged an online complaint at the bank's website on (Date) and had provided the above details to cross check on the basis of the reference number. The complaint registration number / ticket id is ............................. But, even after .... days, no action has been taken as of yet and the amount is still not credited to my account.

Therefore, I request your goodself to kindly instruct the appropriate officer to investigate this issue in detail urgently and the credit be made to my account at the earliest.

Thanking you in anticipation of an early resolution!


(Name of the Account-holder)