While booking nobody has time to explore the payment options IRCTC provides since if you do, most likely your session will expire. But you can prevent your session expiry.
Learn here transaction charges of using these payment channels. Banks charge fees for using their gateways to make payment for your tickets
Just browse through the payment options below and leave your questions/comments in the bottom.
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IRCTC Payment Channels
Payment by Credit Card
Payment by Netbanking/Bank Account
Payment by Debit Cards
Payment by Cash Cards
Payment by EMI
