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Complaint Letter for IRCTC Refund not Credited to Bank A/c

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
However, if you do not receive the refund money after several days. Then you should write a complaint email to IRCTC about the refund status.

Otherwise, you can check at the 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)
(Registered Address)
(Telephone Number)

(Designation of the Officer)
(Name of the Bank)
(Office Address)
(Telephone Number)

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

Respected Sir/Madam,

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

I waited for several days but the money was not credited to my account. I complained about the issue to IRCTC. 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 investigate the transaction. The complaint registration number/ ticket id is __________. However, 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)

Complaint Letter for IRCTC Refund not Credited


  1. Anonymous09 May, 2022

    You will not receive refund

  2. Anonymous18 May, 2022

    Refund issue

  3. Anonymous22 May, 2022

    No refund my amount

  4. Anonymous23 May, 2022

    Mera paisa nhi aaya 8may ko cancal kiya hoon

  5. Anonymous24 May, 2022

    No refund my Amount

  6. Anonymous22 July, 2022

    No refun my amount

  7. Anonymous22 July, 2022

    No refund my amount

  8. Not received my ammount

  9. 90 day not credit my account

  10. Register complaint in consumer court


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