Terms & conditions

These terms apply when you use this website and when you hold an agent account with SI Online Technomart Private Limited, trading as SiOnline. Registering as an agent or transacting through us means these terms apply to you.

They sit alongside, and do not replace, the rules of the organisations whose services you are selling — IRCTC and Indian Railways, UTIITSL, NPCI, and the banks and issuers you are onboarded under. Where their rules and these terms differ on something they control, theirs govern.

We are a Principal Service Provider authorised by IRCTC, and an onboarding channel for other services. We are not IRCTC, Indian Railways, UTIITSL, NPCI, a bank, or a government department, and we do not act on their behalf beyond what our authorisation permits.

You can verify our IRCTC authorisation yourself on IRCTC's own published register — the page and row are on our PSP page. We would rather you checked than took our word for it.

The practical consequence: we cannot reset a password IRCTC holds, overturn a railway refund assessment, or reverse a bank's decision. What we can do is route your request correctly and tell you honestly where it stands.

To register as an agent you must be 18 or over and provide accurate identity, address and business information. Individual entrepreneurs, proprietorships, travel agencies, partnerships and companies can all hold an agent account; the documents differ by entity type.

Two requirements catch most applicants, so they are worth stating here as well as on the documents page: your PAN must not already be attached to a personal IRCTC account, and the mobile number and email address you use must not already be registered with IRCTC.

Information you give us must be true. An application based on inaccurate information can be rejected at any stage, including after payment, and the fee is not returned in that situation.

Our published charges:

• IRCTC agent registration — ₹3,000 incl. GST for Standard, ₹4,000 for Premium.
• Agent ID renewal — ₹2,360 per year, incl. GST.
• OTP login renewal — ₹1,180 per year, incl. GST. OTP login is valid 1 year.
• Class 3 DSC login (optional) — ₹6,000 incl. GST for 2 years, renewed at the same price, only if you choose DSC.
• Monthly maintenance — ₹236 per month. This is a separate charge. It does not replace the agent ID and OTP login renewals above.
• Wallet top-up — free up to your defined daily limit, then ₹100 per transaction.
• Minimum wallet balance — ₹199, held on the account. Your money, not a fee.

Charges for other services, including monthly maintenance, depend on the bank or partner you are onboarded under and are quoted to you before you commit.

Registration and renewal fees are not refundable. This is why we check your eligibility before taking any payment — the full position is in our refund policy.

Third-party costs — bank charges, digital signature certificates, statutory fees — are set by those parties and are not ours to waive.

Your agent ID is issued to you, in your own business name, for your own use.

• Do not share your login. Transactions carried out on your ID are your responsibility, including ones carried out by someone you let use it.
• Do not operate more than one ID where the issuing organisation permits only one against your PAN.
• Keep your contact details current with us. Account notices, renewal reminders and verification go to what we hold.
• Tell us promptly if you believe your credentials have been compromised.

We will never ask you for a password or an OTP. Anyone who does is not us — see our privacy policy.

You sell services governed by other organisations' rules, and breaching them puts your ID at risk rather than ours:

• Follow IRCTC's booking rules. Agents are blocked for the first 30 minutes of the Tatkal window — AC opens at 10:30 AM, non-AC at 11:30 AM — and Premium Tatkal is not available on an agent login.
• Charge only the fixed per-PNR amount. You may collect only the ₹40 (AC) or ₹20 (non-AC) per PNR printed on the ticket. IRCTC does not allow any extra charge on the customer.
• Register each customer in their own name where a service requires customer KYC. Money transfer in particular: routing several people through one registered remitter is a serious breach.
• Do not misrepresent yourself. You are an authorised agent, not IRCTC, not a bank, and not SiOnline.
• Do not make claims on our behalf — about earnings, about guaranteed refunds, or about services you are not onboarded for.
• Do not use the account for anything unlawful.

Where we find a breach, we may suspend or close an account. Where an issuing organisation acts against your ID, that is their decision and not one we can reverse.

Where we publish a rate, it is the rate. The IRCTC agent charge is ₹40 on AC classes and ₹20 on non-AC, charged per PNR rather than per passenger — a four-passenger AC booking carries the same ₹40 as a single berth. It is printed on the ticket and you collect it from the customer. SiOnline pays no commission on IRCTC bookings: it charges you only the ticket fare, payment-gateway charges and IRCTC charges.

Rates for services onboarded through a bank or issuer are set by that organisation, vary by arrangement, and are quoted to you rather than published. Settlement follows the relevant cycle.

We do not pass a share of payment-gateway charges to agents. Some providers do; if that matters to your economics it is a fair basis on which to compare us.

We do not promise a monthly income, and we will not produce a figure on request. Anyone in this market who quotes you a guaranteed monthly earning is describing something outside their control.

Services depend on systems operated by IRCTC, UTIITSL, NPCI, banks and telecom operators. Those systems have maintenance windows and outages, and when one of them is down the service it provides is unavailable through us as well.

We do not offer an uptime guarantee, and we would be suspicious of any provider in this market who does. What we do offer is support 24 hours, 7 days — AI-assisted round the clock, with the team on hand during business hours — so that when something is down you can find out quickly whether it is your setup or everyone's.

We are responsible for our own acts and omissions in providing our services. We are not responsible for:

• Decisions made by IRCTC, Indian Railways, UTIITSL, NPCI, a bank or a certifying authority.
• Losses arising from your own breach of these terms or of an issuing organisation's rules.
• Transactions carried out on your credentials, including by someone you allowed to use them.
• Money sent to an incorrect beneficiary account that you did not verify.
• Outages of third-party systems.
• Business losses — lost profit, lost customers, lost opportunity — arising from any of the above.

Nothing here limits liability that cannot lawfully be limited.

The text, design, logos and materials on this site belong to us or our licensors. You may read, print and share pages. You may not copy the site or substantial parts of it to publish as your own, and you may not use our name or authorisation to present yourself as us.

We publish figures on this site because agents make decisions on them, and we hold them to a standard: every number traces to a source we can show you. If you find something inaccurate or out of date, tell us — corrections are welcome and we act on them.

Where we link to an external site, including IRCTC's own register, that site is not ours and its content is not under our control.

You can stop using your account at any time. Tell us, so that renewals are not processed and so that any wallet balance can be discussed properly.

We may suspend or close an account for breach of these terms, for a requirement imposed by an issuing organisation, or where we are legally obliged to. Fees already paid are not refunded on closure. Your obligations for transactions already carried out continue after closure.

These terms are governed by the laws of India, and the courts at Ratlam, Madhya Pradesh have jurisdiction.

We may update these terms. The date at the top of this page is the date of the current version, and it is the version that applies to your use of the site and your account from that date. Where a change materially affects agents, we will tell you rather than rely on you noticing.

If you disagree with a change, the remedy is to stop using the account and tell us — not to continue and dispute it later.

If anything here is unclear, ask before you register rather than afterwards. We would rather explain a term than argue about it later.