Go Hassle Free India – Auto Debit for Railway Bookings

Terms and Conditions

I hereby apply for “Pay On Delivery (POD)” train ticket booking facility at “IRCTC.CO.IN”, service which is owned and operated by “Anduril Technologies Private Limited (ATPL)” and an authorized payment provider of IRCTC on their website and mobile app.

POD scheme is offered through a tie-up arranged by ATPL with GHI Infra LLP (GHI), where the facility is financed by GHI and ATPL is nowhere responsible for the acts / actions / decision making process of GHI. ATPL is acting as a channel for arranging the said facility thru’ GHI.

These services are offered on referral and/or arrangement basis only through tie-up with respective service providers. GHI is not providing any of these services directly and is not responsible for any deficiency in services including but not limited to any financial loss or otherwise. The list of services/offers listed is only representational and maybe withdrawn/modified by the service providers at their sole discretion. Applicants will be required to bear any cost/charges levied by service providers directly.

I hereby declare that the information included in the application is true and correct and that I am a Resident Indian and that I am eligible to apply for credit facility under POD. I accept that GHI is entitled in its absolute discretion to accept or reject this application. I hereby understand and agree that it is my responsibility to obtain, read and understand the terms and conditions related to the POD facility and those applicable to Mobile Banking Services. If this application is accepted, I hereby undertake to be bound by the terms and conditions as may be in force from time to time and use of the POD facility shall be deemed to be unconditional and irrevocable acceptance of the terms and conditions.

I further authorize GHI and /or its associates /subsidiaries /affiliates to verify any information or otherwise at my office /residence and /or contact me and /or my family members and /or my Employer /Banker /Credit Bureau /CIBIL and other Credit Information Bureau’s /RBI and /or any third party as they deem necessary and /or to do any such acts as they deem necessary.

I understand that acceptance of the application is subject to GHI discretion, on enquiry, not receiving any adverse report relating to my credit worthiness from any bank or financial entity, which has provided to me or my family members a credit facility.

I understand and undertake that the usage of the POD facility shall be strictly in accordance with all applicable laws (including without limitation, any governmental acts, orders, decrees, guidelines, rules and regulations including fiscal exchange control regulations) and in the event of any failure to do so, I will be liable for any action /prosecution or penalty as prescribed.

Other Terms and Conditions

Service is only applicable with IRCTC portal / Mobile App.

If ticket booked under POD facility is cancelled by applicant then in such a case, applicant has to bear the cancellation charges plus applicable taxes over and above service charges.

GHI and /or its associates /subsidiaries /affiliates reserves the right to inform the Credit Bureaus (CIBIL and other credit information bureaus) /Employer /Banker/ family members or any other Social portals / Bureaus about the default or non repayment of dues under this facility.

If any applicant in past has availed the facility under POD scheme and cancelled the ticket subsequently then applicant’s account shall be deactivated from the portal. In future, if any such applicant wants to avail the facility under POD scheme in future then re-registration has to be done with a registration fee of Rs. 100/- plus applicable taxes.

GHI or ATPL shall not be liable for any loss or damage whatsoever that may be suffered, or for any personal injury that may be suffered, to a customer, directly or indirectly, by use or non-use of products / services under the offer. Applicant should have an Aadhar / PAN card to avail facility under POD facility.

Applicant should have a Bank account.

Repayment for the credit facility availed under POD facility to be done through ENACH facility or any other Digital mode as acceptable to GHI.

GHI will disburse the sanctioned facility under POD scheme to ATPL directly on behalf of applicant.

ATPL acts as a collection agent to collect the payment for payment availed under POD facility from applicants on behalf of GHI.

GHI reserves the right to extend or terminate this offer without any prior notice.

GHI reserves the right at any time, without prior notice, to add / alter / modify / change or vary all of these terms and conditions or to replace wholly, or in part, this offer by another offer, whether similar to this offer or not, or to withdraw it altogether.

Payment of fees / service charges / all other amounts due from the applicant to GHI from usage of the facility by the applicant under this offer and / or otherwise will be governed by GHI terms and conditions and the agreement.

The above terms and conditions need to be read in conjunction with the agreement. The facility under POD shall be deemed to be availed off by the applicant once the ticket gets booked availing POD service.

Repayment Instructions-Mandatory Standing Instructions

By accepting and activating the digital mode of payment for the facilities availed under POD scheme, it is deemed that you have authorized the debit of your Bank Account towards amount due and Terms and Conditions thereof. GHI shall have a particular lien on an amount equivalent to their dues in your Bank Account. GHI shall be entitled to adjust and appropriate lien marked credit balances towards settling of the balance outstanding from time to time in your Account and for this purpose is authorized to affect a debit in to your Bank Account after this notice to you.

You agree to keep GHI / ATPL fully indemnified and held harmless at all times, from and against all claims, expenses, losses, damages, costs (including reasonable attorney's fees), actions, suits and proceedings arising due to non-execution or delays in services offered by service provider in reference of your transaction.