IRCTC charges on every online booking:
Service charge (per ticket):
- Non-AC class (SL, 2S): ₹15
- AC class (1A, 2A, 3A, CC, EC): ₹30
GST: 5% on service charge.
Convenience fee (varies by payment mode):
- Net banking: ₹10
- Debit card: 0% (free)
- Credit card: 1% (varies)
- UPI: free (since 2020)
- Wallets: 1.5%
Total fee on a single AC ticket ≈ ₹30 + ₹1.5 GST + payment fee = ₹35-45.
Free at counter: No IRCTC service charge if booked at a station counter — but online has the auto-refund advantage.
All fees are shown clearly before final payment confirmation.