IRCTC & Bank Charges are non-refundable!!
They are been deducted the moment u book ticket & arnt been refunded, in any case!!
They arnt been deducted again, in case ticket get cancelled!!!
Deduction in case of Cancellation against Non-CNF WL, is Rs. 20 only!!
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Ticket Fare - Rs. 20: This amount will get credited back!!