iMudra by IRCTC - Wallet, Card

IRCTC Official

About this app

iMudra is a Truly Made In India payments app. Download IRCTC iMudra App to get your first digital & physical card linked to your iMudra digital wallet. Use your iMudra Card to make payments at your favourite online and offline stores & get cashback upto Rs.2000. Also experience a seamless ticket booking experience with IRCTC.

Top-up your iMudra wallet using debit/credit card, UPI & create your first digital card (powered by VISA) which works just like a debit card. Use your digital card to make online transactions in all online stores. iMudra also offers physical card for your offline & online purchases (powered by VISA & RuPay).

Join lakhs of Indians who are using IRCTC iMudra for all their payment needs & experience a seamless ticket booking experience. Get latest offers & earn cashback as you pay. Just signup with few basic details & get started.

What you can do with the iMudra App:

- Create your first digital card (powered by VISA) & link it with your wallet. Top up your wallet & pay using digital card at your favorite shopping, food delivery, travel, entertainment, gaming app/sites & other 100+ apps.

- Order your physical card (powered by VISA & RuPay) which is linked with your wallet. Top up your wallet & pay using physical card at your favorite offline stores anytime, anywhere! No internet, no problem!

- Experience a seamless ticket booking experience at IRCTC. Skip the queue by not waiting for OTP confirmation while booking your ticket. All you need is your IRCTC account & iMudra can handle the rest with support for tatkal bookings & instant payments.

- You can instantly transfer money to any mobile number with an active iMudra wallet and receive money from your contacts anytime, anywhere! It is much better than internet banking.


- Get rewarded by cashback of upto Rs.2000 into your wallet as you pay. The more you pay, the more you get rewarded

- Seamless Aadhaar based KYC process to experience all the benefits of iMudra

iMudra App is safe & secure with data kept in India, unlike other payments app

India’s first digital wallet with a card. For more details visit our website: https://www.irctcimudra.com/home

Ratings and reviews

This application is fraud, do not use it. I have already added money in this app. Now it is showing "no internet connection" error everytime I tried to login in. Even I have reinstalled the application. But no luck. Chat bot is also not working. I need my money back.

2019: I registered myself and when in the KYC form I enter my passport number it refuses to accrpt it and asks me to enter the correct passport number. 2024: it's better now. It throws a No Internet error when I try to login or try the forgot password option. Since this is an improvement over my previous frustration I am gleefully reducing the 2 stars I had given previously to 1 star now.

Very bad app performance. i add Rs.12000/- more, after adding money app suddenly show your session is expired. After that when i trying to login through password or OTP everytime an error message show you are entering wrong password or OTP. Though OTP is send by IRCTC. I mailed many times with error screenshot to IRCTC care they lodged complain, but problem not solve yet. They said solve as soon as possible. This type of problematic app i never seen before. Where is my money?? Please not use.

What's new

◦ Bug fixes and performance improvements