TDR Refund Status: Why “Payment Under Process” & What To Do
If your TDR refund status shows “Payment Under Process”, it means your claim has been approved and the refund is being prepared for transfer. But many passengers worry — how long will it take? Is something stuck? Let’s understand it clearly.
What Does “Payment Under Process” Mean?
When your refund status says Payment Under Process, it usually means:
- ✔ Your TDR claim is accepted
- ✔ Refund amount is approved
- ⏳ Bank transfer is pending
- ⏳ Payment file is being processed internally
This stage generally lasts 3–10 working days, depending on bank cycles and internal verification.
How Long Does TDR Refund Take?
| Stage | Expected Time |
|---|---|
| TDR Filing | Within prescribed time limit |
| Railway Verification | 30–60 days |
| Refund Approved | Status changes to “Payment Under Process” |
| Final Credit | 3–10 working days |
⚠ Sometimes delays happen due to:
- Bank holidays
- Payment gateway delays
- Technical reconciliation
- Incorrect bank details
TDR refund stuck or no clear reply? RTIwala gets official written answers fast—contact now.
📞 Call: +91-7999-50-6996
💬 WhatsApp: https://help.rti.link/
What If It’s Stuck for Too Long?
If the status remains “Payment Under Process” for more than 15–20 days, you should:
- Raise a complaint on IRCTC portal
- Contact your bank
- File a grievance with Railway authorities
If still no response, you can file an RTI to ask:
- On what date was refund approved?
- When was payment file sent to bank?
- If processed, provide UTR/reference number
- Reason for delay in credit
How RTI Can Help in TDR Refund Delays
Many passengers do not receive clear answers from customer support. Through RTI, you can demand:
- Official written status
- Internal processing notes
- Refund dispatch date
- Accountability for delay
Government departments are legally bound to respond within 30 days.
TDR refund stuck or no clear reply? RTIwala gets official written answers fast—contact now.
📞 Call: +91-7999-50-6996
💬 WhatsApp: https://help.rti.link/
FAQs – TDR Refund Status & Payment Under Process
What does “Payment Under Process” mean in TDR refund?
It means your TDR claim has been approved and the refund is being prepared for transfer to your bank account.
How long does it take after “Payment Under Process”?
Usually 3–10 working days. In some cases, it may take up to 15 days due to bank or technical delays.
Why is my TDR refund delayed even after approval?
Common reasons include:
- Bank holidays
- Incorrect bank details
- Payment reconciliation delays
- Technical issues between IRCTC and bank
Can IRCTC cancel refund after showing “Payment Under Process”?
Rarely. If approved and status changed, refund is generally processed. But in case of technical errors, it may revert.
How can I check my TDR refund status?
Log in to your IRCTC account → My Transactions → TDR History → Check refund status.
What should I do if refund is not credited after 15–20 days?
First, raise a complaint on IRCTC.
If no clear reply, you can file an RTI to ask for:
- Approval date
- Payment dispatch date
- UTR/reference number
- Reason for delay
Can RTI really help in TDR refund delays?
Yes. RTI forces official written clarification and makes the department accountable for refund processing delays.
