This is the method how tdr processed by IRCTC
1) Customer himself can register the case through Online or if the customer not able to register online due to any technical problem, the case will be registered by IRCTC Corporate Office staff on receiving the e-mail from Customer.
2) Claim can be “reject” or “approved” by IRCTC Corporate or Regional/ Zonal Office staffs as per extent Railway Rules Approved Claim cases shall be electronically transferred to the concerned Zonal Railways for further refund process.
3)...
more... The case can be register by concerned Zonal Railway through system. 4) Claim will be distributed to concerned dealing Clerk – Manual Process. 5) Verification of Chart and other required documents – Manual Process (Will be automated after implementation of EDR)
6) Claim shall be approved or repudiated by concerned Zonal Railway depend upon the eligibility – Manual Process.
7) Put up the file to the concerned competent Authority for approval – Manual Process.
8) Pay order shall be prepared by concerned Zonal Railway - Manual Process.
9) Update refund detail and pay order detail in system.
10) To take the printout of refund statement from system along with Pay Order to be handed over to concerned IRCTC Regional/Zonal Office. 11) After encashing , the refund amount will be deposited to the IRCTC Corporate Account – Manual Process
12) Refund detail updated in system by IRCTC Regional/Zonal Office/Corporate Office accordingly.
13) If any chargeback has been received from Bank, the refund amount will be held with IRCTC till cases are withdrawn by customer from Bank. Refund file will be generated remaining cases by IRCTC Corporate Office. 14) Refund Advice given to bank.
15) Refund Conformation received from Bank
16) Update Refund file – System Process
17) Refund confirmation mail shall be sent to customer accordingly Customer also can view the status “TDR History” from their end.
Thats the reason it takes too much time to process the refund.