You can book tickets without paying at the time of booking. This service is powered by Arthashastra Fintech pvt Ltd.
You will receive the payment link through email and SMS. You have to pay with in 14 days.
If you failed to pay the amount irctc will levy of penal interest at the rate of 36% per annum and also lead to cancelation of ticket and /or account deactivation.
Transaction charge for this service is 3.5% plus tax.
You may be requested to enter Aadhar number at the time of booking.