Indian Railways Catering and Tourism Shares ( IRCTC ) formulated E-Wallet Scheme in the second week of February 2014 . The scheme was launched to make payment process fast and to reduce financial transaction failures due to bank payment related problems . Under the scheme , user can deposit money in advance with IRCTC and the their money can be used as paying option along with other payment available options on IRCTC website for the payment at the time of booking tickets .
Names of all the people booked on a fully waitlisted e-ticket are dropped at the time of preparation of reservation charts and fare is refunded routinely .
In this regard , there is no difference between e-tickets booked through E-wallet scheme or those booked through other payment options available on website www .irctc .co .in .
The scheme is available only for PAN verified users .
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