Author name: Nibha

Bihar Student Credit Card Scheme
State Schemes

Bihar Student Credit Card Scheme (BSCC): Eligibility, Loan Amount, Apply Online & Documents

Higher education often comes with high costs, and not every family can afford professional or degree courses after Class 12. To support deserving students, the Government of Bihar launched the Bihar Student Credit Card Scheme (BSCC). This scheme provides affordable education loans so that financial problems do not stop students from completing their studies. Below is a complete, detailed, and easy-to-understand guide covering eligibility, benefits, loan amount, online application steps, documents, and FAQs. ⭐ What Is Bihar Student Credit Card Scheme? The Bihar Student Credit Card Scheme is an education loan programme introduced by the Department of Education, Government of Bihar. Its main objective is to help students from Bihar pursue higher education by offering loans of up to ₹4 lakh at very low interest rates. Under this scheme, students can take loans for general, technical, and professional courses such as BA, BSc, BCom, BTech, Polytechnic, MBBS, and other recognised programmes. The scheme focuses on student empowerment by ensuring access to education regardless of financial background. ⭐ Key Highlights of BSCC Scheme Feature Details Scheme Name Bihar Student Credit Card Scheme (BSCC) Maximum Loan Amount ₹4 lakh Beneficiaries Students of Bihar Courses Covered General, technical, professional & polytechnic Interest Rate As low as 1% for certain categories Application Mode Online Repayment Start After course completion and employment ⭐ Benefits of Bihar Student Credit Card Scheme Eligible students get the following benefits under BSCC: ⭐ Interest Rate Under BSCC Scheme The interest rate under the Bihar Student Credit Card Scheme depends on the category of the student: This makes BSCC one of the most affordable education loan schemes in India. ⭐ Eligibility Criteria for Bihar Student Credit Card Scheme To apply for the BSCC scheme, applicants must meet the following conditions: ⭐ Courses Covered Under BSCC The loan can be availed for the following types of courses: ⭐ How to Apply for Bihar Student Credit Card Scheme Online? Follow these step-by-step instructions to apply online: 🪜 Step-by-Step Online Application Process Step 1:Visit the official portal:7nishchay-yuvaupmission.bihar.gov.in Step 2:Click on “New Applicant Registration” Step 3:Enter details such as: Step 4:After successful registration, you will receive username and password via SMS and email. Step 5:Log in again using the provided credentials. Step 6:Fill in details on the Personal Information Page and submit. Step 7:Select BSCC (Bihar Student Credit Card) from the dropdown and click Apply. Step 8:Fill the BSCC application form carefully and submit it. Step 9:An acknowledgement number will be generated. Step 10:The District Registration and Counselling Centre (DRCC) will schedule an appointment and inform you via SMS/email. Step 11:Visit the DRCC with self-attested documents for verification. Step 12:After verification and bank approval, collect: Step 13:Visit the bank to complete formalities and receive loan disbursement. ⭐ How to Check Application Status? Applicants can track their application status online using the acknowledgement number on the same portal by selecting the application status option. ⭐ Documents Required for Bihar Student Credit Card Scheme Applicants need to submit the following documents: ⭐ Loan Repayment Rules 🔚 Conclusion The Bihar Student Credit Card Scheme is a strong step towards making higher education accessible for students from economically weaker backgrounds. With low interest rates, flexible repayment, and government support, this scheme removes financial barriers and promotes student empowerment. For more detailed and reliable guides on education loans, government schemes, and student benefits, visit Sarkari Bakery. ❓ Bihar Student Credit Card Scheme FAQs

Best Travel Credit Cards
Credit Cards

Best Travel Credit Cards – Compare Rewards, Fees & Benefits

If you love travelling — whether it’s flights, hotels, or weekend getaways — a travel credit card can help you save money, earn rewards, and enjoy perks like free lounge access and hotel discounts. Choosing the right card depends on your travel style, spending habits, and preferred airlines or hotel chains. Below is a complete guide to the best travel credit cards in India in 2026, including who they’re best for, key benefits, fees, and tips to choose one that suits you best. ⭐ What to Look for in a Travel Credit Card Before we list the best cards, here’s what you should consider: Good travel cards help you recover costs through points and perks, especially if you travel often. 🥇 1. HDFC Regalia Card – Best All-Round Travel Card Best for: Frequent travellers who want strong lounge access + premium rewards Key Benefits: Why choose:Great mix of travel perks and flexible redemption options — ideal if you fly often and want premium benefits without airline restrictions. ✈️ 2. SBI Card ELITE – Best for Lounge Access & Travel Rewards Best for: Premium travelers who want airline & hotel perks Key Benefits: Why choose:Perfect if lounge access and lifestyle benefits matter alongside travel rewards. 🛫 3. Axis Bank Vistara Infinite – For Vistara Flyers Best for: Those who frequently fly with Vistara Key Benefits: Why choose:If you fly Vistara frequently, this card gives airline-centric rewards and tier benefits unlike most general travel cards. 🏨 4. American Express Platinum Travel Card – Comprehensive Travel Rewards Best for: Travelers who want flexible travel bookings and hotel perks Key Benefits: Why choose:Great choice if you use AmEx travel partners and want premium rewards that can be converted to multiple travel programs. 🛩️ 5. Standard Chartered Manhattan Platinum – Travel + Everyday Rewards Best for: Occasional travelers who also want grocery and dining rewards Key Benefits: Why choose:A balanced travel card with strong everyday rewards — suits users who don’t travel very often but want travel perks. ✈️ 6. ICICI Sapphiro – Good Mid-Tier Travel Card Best for: Mid-range travelers who want lounge access + hotel deals Key Benefits: Why choose:Good “mid-segment” card with decent travel rewards and benefits at a reasonable fee. 🧳 How Travel Rewards Help You Save Perk Savings/Benefit Lounge Access Avoid costly airport lounges Reward Points Redeem for flights/hotels Welcome Bonus Extra travel credit Hotel Vouchers Free or discounted stays Travel Insurance Covers delays, medical emergencies 💡 Tips Before Choosing a Travel Card 🪪 Match Card to Your Travel Style 💰 Compare Annual Fees vs. Benefits A high fee can be justified if perks outweigh it through lounge visits and reward points. 📊 Use Points Wisely Redeem points early or transfer to partner programs for maximum value. 🛫 Read Terms Carefully Check details like expiry of points, minimum redemption, and partner restrictions. 🔚 Conclusion Choosing the best travel credit card in India depends on how often you travel, preferred airlines or hotels, and how much you spend on travel every month. Cards like HDFC Regalia and SBI Card ELITE offer strong lounge access and premium rewards, while airline-centric cards like Axis Bank Vistara Infinite are great for frequent Vistara flyers. Compare perks, annual fees, and your travel style before applying to get the most value from your card. For more easy-to-understand financial guides and comparisons, visit Sarkari Bakery. ❓ FAQs – Best Travel Credit Card

Rapido Partner Apply
How To

Rapido Partner Apply: Eligibility, Documents, Registration Process & Earnings Explained

Becoming a Rapido partner is a flexible earning opportunity for individuals who want to generate income using their two-wheeler or auto. Rapido allows riders to work independently, choose their own working hours, and earn based on the number of rides completed. This guide explains how to apply as a Rapido partner, who is eligible, what documents are required, how the registration process works, and how earnings are calculated. The information is written in a simple and transparent way so that new applicants clearly understand the process before applying. What Is Rapido Partner Program? The Rapido Partner Program allows bike and auto owners to register on the Rapido platform and offer ride services to customers through the Rapido app. Once approved, partners receive ride requests nearby and earn money for each completed trip. Rapido operates in multiple Indian cities and focuses on affordable, quick, and last-mile travel solutions. Who Can Apply for Rapido Partner? Before applying, applicants must meet the basic eligibility criteria set by Rapido. Eligibility Criteria You can apply as a Rapido partner if: There is no educational qualification requirement, making this opportunity accessible to many individuals. Documents Required for Rapido Partner Registration Applicants must upload or submit the following documents during registration: All documents should be clear, valid, and active to avoid delays in approval. How to Apply for Rapido Partner (Step-by-Step) The Rapido partner application process is fully online and easy to complete. Step 1: Download the Rapido Partner App https://m.rapido.cc/KKhL/rnq19lea Install the Rapido Captain / Partner app from the Google Play Store. Step 2: Register with Mobile Number Enter your mobile number and verify it using the OTP sent to your phone. Step 3: Fill Personal & Vehicle Details Add your name, city, vehicle type, and driving details carefully. Step 4: Enter Referral Code (Optional) During registration, you may see an option to enter a referral code.If you have one, you can enter it at this stage. Referral Code: R3MEQAE Step 5: Upload Documents Upload scanned copies or photos of the required documents. Step 6: Background Verification & Approval Rapido verifies your documents. Once approved, your account gets activated. How Does Rapido Partner Earnings Work? Rapido partner earnings depend on multiple factors: Payment Method Rapido partners can track their income, trips, and incentives directly through the partner app. Working Hours & Flexibility One of the biggest advantages of becoming a Rapido partner is flexibility: Benefits of Becoming a Rapido Partner Things to Keep in Mind Before Applying Conclusion Applying as a Rapido partner is a straightforward process for individuals looking for flexible earning opportunities. With minimal eligibility requirements, online registration, and transparent earnings, Rapido offers a practical option for people who want to earn using their vehicle. Before applying, ensure all documents are ready and valid to avoid delays. Always check the partner app regularly for updates, incentives, and performance insights. For more simple and trusted guides related to applications, documents, and online processes, visit Sarkari Bakery. Frequently Asked Questions (FAQs)

Domicile Certificate Tamil Nadu
Domicile Certificate

Domicile Certificate Tamil Nadu: How to Apply Online, Download, Documents Required, Validity & Status Check

A Domicile Certificate in Tamil Nadu is an important government document that confirms a person’s permanent residence in the state. It is commonly required for state government jobs, educational admissions under Tamil Nadu quota, scholarships, and welfare schemes. If you are living in Tamil Nadu for a long time or your family has permanent residency here, this certificate helps prove your eligibility for various state-level benefits and opportunities. ⭐ What Is a Domicile Certificate in Tamil Nadu? A domicile certificate officially certifies that an individual belongs to Tamil Nadu as a permanent resident. It is issued by the Revenue Department of the Tamil Nadu Government and is accepted across all state departments. In simple words, it shows that you are legally recognised as a resident of Tamil Nadu. If you want to understand the concept in a broader sense, you can also read this detailed guide on what a domicile certificate means and where it is required. ⭐ Why Is Domicile Certificate Required in Tamil Nadu? A Tamil Nadu domicile certificate is required for: ⭐ Eligibility for Domicile Certificate in Tamil Nadu You can apply for a domicile certificate in Tamil Nadu if you meet any of the following conditions: ⭐ How to Apply for Domicile Certificate in Tamil Nadu? Applicants can apply online or offline, depending on convenience. ⭐ How to Apply Online for Domicile Certificate in Tamil Nadu? Follow these step-by-step instructions carefully: Step 1:Visit the Tamil Nadu eSevai portal. Step 2:Click on User Login on the homepage. Step 3:Select New User – Sign Up Here and complete registration. Step 4:Verify your account using the OTP sent to your registered mobile number and email. Step 5:Log in and choose the Revenue Department. Step 6:Select Residence / Domicile Certificate from the services list. Step 7:Enter personal details, CAN number, and contact information. Step 8:Upload the required documents, pay the prescribed fee, and submit the application. Step 9:Download the acknowledgement receipt for future reference. ⭐ How to Apply Offline for Domicile Certificate in Tamil Nadu? For offline application: ⭐ Documents Required for Domicile Certificate in Tamil Nadu You may be asked to submit the following documents: If you are unsure which documents are accepted as address proof, this guide on residential address and valid proof documents explains it clearly. ⭐ How Many Days Does It Take to Get a Domicile Certificate in Tamil Nadu? ⭐ How to Check Domicile Certificate Status Online in Tamil Nadu? After submitting the application: ⭐ How to Download Domicile Certificate Online in Tamil Nadu? Once approved: ⭐ Validity of Domicile Certificate in Tamil Nadu ⭐ Is Domicile Certificate Mandatory in Tamil Nadu? A domicile certificate is not compulsory for everyone, but it becomes mandatory when applying for: 🔚 Conclusion The Tamil Nadu Domicile Certificate plays a crucial role in accessing state-level education, employment, and welfare benefits. With both online and offline application options available, residents can easily apply by submitting accurate information and valid documents. For reliable, step-by-step guidance on government certificates, schemes, and online services, visit Sarkari Bakery. ❓ Frequently Asked Questions (FAQs)

FASTag Annual Pass Online Recharge
How To

FASTag Annual Pass Online Recharge 2026 – Step-by-Step Guide, Price & Validity

If you travel frequently on National Highways, the FASTag Annual Pass can help you save both time and money. Introduced by NHAI for private vehicle owners, this pass allows smooth toll payments without repeated deductions for every trip. Below is a fresh, fully rewritten, and easy-to-understand guide explaining how to buy or recharge the FASTag Annual Pass online, how it works, and how to download your FASTag statement. ⭐ What Is FASTag Annual Pass? The FASTag Annual Pass is a prepaid toll plan launched by the National Highways Authority of India (NHAI) along with IHMCL. It is designed only for non-commercial private vehicles such as cars, jeeps, and vans. With a one-time payment of ₹3,000, the pass offers: 👉 The price of ₹3,000 includes GST and all charges. There are no hidden costs. ⭐ Who Can Use FASTag Annual Pass? The annual pass is available only if: Commercial vehicles are not eligible for this pass. ⭐ How to Recharge / Buy FASTag Annual Pass Online The FASTag Annual Pass works on a one-time prepaid model. You do not need to recharge it again until either the 200 trips are completed or 1 year ends. Follow the steps below to purchase or renew the pass online. 🪜 Step-by-Step Process Step 1:Open the Rajmarg Yatra App or visit the official NHAI / MoRTH portal. Step 2:Log in using your FASTag-linked mobile number or credentials. Step 3:Enter your vehicle number or FASTag details. Step 4:Select the FASTag Annual Pass option. Step 5:Make a payment of ₹3,000 using: Step 6:After successful payment, the pass gets activated within 2 hours. 📩 You will receive an SMS confirmation once activation is complete. ⭐ What Happens After 200 Trips or 1 Year? ⭐ How to Download FASTag Statement Online A FASTag statement shows complete toll transaction details, including date, time, toll plaza, and deducted amount. Steps to Download FASTag Statement: This statement is useful for: ⭐ Key Benefits of FASTag Annual Pass 🔚 Conclusion The FASTag Annual Pass is a smart and economical option for people who frequently travel on national highways. With ₹3,000 for 200 trips, it significantly reduces toll expenses and ensures smooth, hassle-free journeys. The online process is simple, quick, and fully digital. For more clear, reliable, and step-by-step guides on government services, transport rules, banking, and digital facilities, visit Sarkari Bakery. ❓ FASTag Annual Pass FAQs

How to Find PF Account Number
How To

How to Find PF Account Number: Complete & Simple Guide

Your PF Account Number is a very important detail for every salaried employee in India. It helps you track monthly EPF contributions, check your PF balance, submit withdrawal or advance claims, and transfer PF when you change jobs. Many people forget their PF account number, especially after switching companies, which later creates confusion during PF-related work. This guide explains only PF-related information, in a clear, focused, and practical way, without mixing any unrelated topics. ⭐ What Is a PF Account Number? A PF Account Number, also known as Member ID, is a 22-digit alphanumeric code assigned by your employer when you join an organisation registered under EPFO. This number is used to record: Earlier, every job change resulted in a new PF account number. Now, with the Universal Account Number (UAN), all PF accounts are linked under one ID, but each employer still has a separate PF account number. ⭐ Why Is PF Account Number Important? You need your PF account number for: Without your PF account number or UAN, most EPFO services cannot be accessed. ⭐ Different Ways to Find Your PF Account Number If you don’t know your PF account number, you can find it using any of the methods below. ⭐ Method 1: Check Your Salary Slip This is the most common and easiest method. Most companies clearly mention PF details on the salary slip. ⭐ Method 2: Ask Your Employer or HR Department If PF details are not shown on your salary slip: This is especially helpful for new employees or those who changed jobs recently. ⭐ Method 3: Find PF Account Number Using UAN Portal (Online) If you know your UAN, this method works best. 🪜 Step-by-Step Process: This section shows PF account numbers for all current and previous employers. ⭐ Method 4: Use the UMANG App UMANG is an official government mobile app. Steps: This method is useful if you prefer checking PF details on your phone. ⭐ Method 5: Visit the EPFO Office (Offline Method) If online options do not work or your PF account is very old: EPFO staff will help you retrieve your PF information after verification. ⭐ How to Check PF Balance After Finding PF Account Number Once you know your PF account number or UAN, you can check your PF balance using these methods: These services are free and available 24×7. ⭐ PF Account Number vs UAN – Simple Difference Point PF Account Number UAN Issued by Employer EPFO Changes on job change Yes No Purpose Tracks PF with one employer Links all PF accounts Length 22 digits 12 digits ⭐ EPFO Customer Care Helpline For PF-related queries and complaints: 🔚 Conclusion Knowing your PF account number is essential for managing your EPF savings smoothly. Whether you check your salary slip, contact HR, use the UAN portal, UMANG app, or visit the EPFO office, finding your PF details is now simple and hassle-free. Keeping your PF and UAN information updated will save time and avoid problems during withdrawals, transfers, or claims. For more easy-to-understand and reliable guides related to PF, documents, and government services, visit Sarkari Bakery. ❓ Frequently Asked Questions (FAQs)

What Happens If You Miss Your Train After Booking a Ticket
Train

What Happens If You Miss Your Train After Booking a Ticket? (Indian Railways Rules Explained)

Missing a train after booking a ticket is a stressful situation many passengers face due to traffic, delays, or emergencies. The good news is that Indian Railways has clear rules on what happens next — whether you get a refund, can travel on another train, or lose the ticket amount. This detailed guide explains all possible scenarios, refund rules, and what you should do step by step if you miss your train. ⭐ What Does “Missing a Train” Mean? You are considered to have missed your train when: Once the train departs, normal ticket usage is no longer valid. ⭐ Scenario 1: You Missed a Confirmed Ticket (CNF) ❌ Refund Rule If you miss the train with a confirmed ticket: 👉 This applies to tickets booked via IRCTC or reservation counters. ✅ Exception (TDR Allowed) You may get a refund only if: ⭐ Scenario 2: You Missed an RAC Ticket If your ticket status was RAC (Reservation Against Cancellation): 👉 After departure, RAC ticket = No refund. ⭐ Scenario 3: You Missed a Waitlisted (WL) Ticket ✅ Best-Case Situation ✔ Full refund is credited automatically✔ Refund usually processed in 3–7 working days ❌ If WL Ticket Gets Confirmed If the waitlisted ticket becomes confirmed or RAC and you miss the train: ⭐ Scenario 4: You Missed a Tatkal Ticket Tatkal tickets follow strict rules. ⭐ Can You Travel on Another Train If You Miss One? ❌ Normally – NO You cannot use the same ticket on another train. ✅ Special Case (With Permission) In rare cases, you may: This is not guaranteed and depends on railway staff discretion. ⭐ What Is TDR and When Should You File It? TDR (Ticket Deposit Receipt) is a formal request for refund. 🕒 TDR Filing Time Situation Time Limit Train cancelled Up to chart preparation Train delayed 3+ hours Before actual departure Missed train (exceptional) Within 1 hour of departure TDR can be filed via IRCTC login for e-tickets. ⭐ What You Should Do If You Know You’ll Miss the Train ✔ Cancel the ticket before chart preparation✔ Check train running status early✔ Reach station at least 30–45 minutes before departure✔ For delays, keep screenshots or announcements as proof ⭐ Important Points to Remember 🔚 Conclusion Missing a train after booking a ticket can result in loss of money, especially for confirmed or Tatkal tickets. However, understanding the rules in advance helps you act smartly — cancel in time, file TDR when applicable, and avoid last-minute rush. For clear, updated, and step-by-step explanations of railway rules, refunds, and ticket booking guides, visit Sarkari Bakery. ❓ FAQs – Missed Train Ticket Rules

How to Book Train Ticket for a Child Below 5 Years
Train

How to Book Train Ticket for a Child Below 5 Years (Indian Railways Rules Explained)

Travelling by train with a small child is common for Indian families. If your child is below 5 years, the ticket booking rules are different from adults and often create confusion. Indian Railways has clear guidelines on whether a ticket is required, how to add child details, and when charges apply. Below is a complete, easy-to-understand guide explaining everything step by step. ⭐ Is Train Ticket Required for a Child Below 5 Years? No paid ticket is required for a child below 5 years of age if: 👉 In such cases, the child travels free of cost. However, child details are mandatory while booking the ticket. ⭐ Important Rules for Children Below 5 Years ✔ Age must be below 5 years on the date of journey✔ Child travels without a separate seat/berth✔ Child must be added in passenger details (even for free travel)✔ Maximum 2 children below 5 years are allowed with one adult✔ Valid age proof may be checked during the journey ⚠️ If age is found to be 5 years or more, full fare + penalty can be charged. ⭐ How to Book Train Ticket for Child Below 5 Years (Online – IRCTC) Follow these steps while booking from IRCTC: 🪜 Step-by-Step Process Step 1: Log in to your IRCTC accountStep 2: Enter journey details (From, To, Date, Class)Step 3: Select train and click Book NowStep 4: Add adult passenger detailsStep 5: Click on “Add Child (Below 5 Years)”Step 6: Enter child’s: Step 7: Continue to paymentStep 8: Complete booking and download e-ticket 👉 The fare will not increase for the child. ⭐ How to Book at Railway Reservation Counter (Offline) If booking from a PRS counter: ⭐ What If You Want a Separate Seat for a Child Below 5 Years? If you want a separate seat or berth for your child: ✔ You must book a full ticket✔ Child will be treated as a normal passenger✔ Full adult fare applies 👉 This is useful for long journeys or night travel. ⭐ Child Ticket Rules (Age-Wise Comparison) Child Age Ticket Required Seat/Berth Fare Below 5 years ❌ No paid ticket ❌ No Free Below 5 (seat needed) ✔ Yes ✔ Yes Full fare 5 to 12 years ✔ Yes Optional Half / Full (as selected) Above 12 years ✔ Yes ✔ Yes Full fare ⭐ Documents Required for Child Travel Usually, documents are not asked, but keep one as safety: Railway staff may verify age if doubt arises. ⭐ Common Mistakes to Avoid ❌ Not adding child details at booking❌ Entering wrong age❌ Assuming free seat is available❌ Forgetting age proof during travel These can lead to penalty or fare recovery during checking. 🔚 Conclusion Booking a train ticket for a child below 5 years is simple once you know the rules. No fare is charged, but adding child details is compulsory. If you want comfort with a separate seat, you can always opt for a full ticket. For more clear, updated, and step-by-step railway rules explained in simple English, visit Sarkari Bakery. ⭐ Frequently Asked Questions (FAQs)

Senior Citizen Concession in Indian Railways
Train

Senior Citizen Concession in Indian Railways – Latest Update (2026)

Senior citizens in India travel frequently by train for personal, family, and medical reasons. To support their mobility and make rail travel more affordable, Indian Railways offers a special Senior Citizen Concession. This concession has been updated over the years, and the latest rules (as of 2026) provide meaningful savings and flexibility. This detailed blog covers who is eligible, how much discount you get, how to claim it, conditions, important tips, and recent updates — explained step-by-step in simple English. ⭐ What Is Senior Citizen Concession in Indian Railways? Senior Citizen Concession is a fare discount offered by Indian Railways to help elderly passengers travel at reduced ticket prices. It is available on regular train tickets across most classes, making long-distance and short-distance travel more affordable for seniors. Unlike special quotas (like Tatkal or Ladies quota), the senior citizen fare concession directly reduces your ticket fare at the time of booking. ⭐ Who Is Eligible for Senior Citizen Concession? 🧓 Eligibility Criteria To be eligible for the concession: ✔ The passenger must be an Indian citizen✔ Age requirement depends on gender: ✔ Valid age proof must be presented (Aadhaar card, PAN, Voter ID, passport, Senior Citizen card) Important: The passenger’s age is determined as of the date of journey. ⭐ How Much Concession Do Senior Citizens Get? The concession is calculated on the basic fare (not including reservation charges, GST, or other fees). 🧑‍🦳 Latest Concession Rates (2026) Class of Travel Concession Percentage First Class (FC) 40% Second Sitting (2S) 30% Sleeper Class (SL) 30% AC 3 Tier (3A) 30% AC 2 Tier (2A) 30% AC Chair Car (CC) 30% Executive Class / AC First (1A) No concession ⚠️ Premium Tatkal / Tatkal / Superfast surcharge / reservation fee / GST are not discounted. ⭐ How to Claim Senior Citizen Concession 🖥️ Online Booking (IRCTC) 🏦 Offline Booking (PRSR Counters) ⭐ Important Rules and Conditions 📌 1. Concession Valid Only on Regular Tickets Concession does not apply to Tatkal or Premium Tatkal tickets. 📌 2. Must Carry Valid ID The discount is valid only if you carry an age proof linked with your name. On inspection, if age proof is missing or incorrect: 📌 3. Gender-based Age Rule Women get concession 2 years earlier than men (58 vs 60 years). 📌 4. Only One Concession Per Passenger You cannot combine this discount with other special concessions. ⭐ Recent / Latest Updates (2025–26) ✔ No change in age eligibility — remains 60 years for men, 58 years for women.✔ Concession continues to apply on all regular ticket bookings except Tatkal.✔ IRCTC and counter ticketing now automatically apply the discount when you choose senior citizen status.✔ If age proof mismatch, concession may be withdrawn during travel.✔ E-tickets clearly show discount notified in fare breakdown. Note: If future notifications change this rule (e.g., age, extra classes), Indian Railways will publish updated concessions on official announcements and IRCTC portals. ⭐ Can Senior Citizens Use Concession With RAC or WL? Yes — as long as the ticket is eventually confirmed: ✔ On Confirmed tickets — concession applies✔ On RAC (Reservation Against Cancellation) — concession applies once it becomes confirmed✔ On Wait-listed (WL) — if WL turns into confirmed ticket before chart preparation, concession applies❌ If ticket remains unconfirmed (automatically cancelled), no fare is charged and refund rules apply ⭐ Senior Citizen Concession Tips 📌 Always carry original age proof during travel (Aadhaar or passport recommended)📌 Enter age and gender accurately during booking📌 Don’t book under Tatkal — no concession for urgent quotas📌 Check detailed fare before payment — the discounted amount is shown clearly📌 If age proof mismatch error appears online, update your profile / KYC before booking ⭐ Common Misconceptions ❌ “Concession applies on reservation charges.”➡️ False. Discount only applies to basic fare, not reservation fee or GST. ❌ “Senior concession means free travel.”➡️ No. It is a discount, not free travel. ❌ “Son/daughter of senior gets concession.”➡️ No. Only the eligible senior’s own ticket gets discount. 🔚 Conclusion Senior Citizen Concession remains one of the most passenger-friendly schemes offered by Indian Railways. With up to 40% discount on train fares and automatic application during ticketing, it helps senior travellers save significantly on travel costs. As of 2026, the rules are stable — age eligibility remains unchanged and the concession continues for most travel classes except Tatkal and Premium Tatkal. Always ensure you carry valid age proof during the journey. For more easy-to-understand, updated railway guides and travel tips, visit 👉 Sarkari Bakery. ❓ FAQs – Senior Citizen Concession in Indian Railways

How to Transfer Train Ticket to Another Person
Train

How to Transfer Train Ticket to Another Person in India (Complete Guide)

Many times, train tickets are booked well in advance, but due to sudden reasons like illness, office work, family emergencies, or plan changes, the original passenger may not be able to travel. In such situations, people often ask whether a train ticket can be transferred to another person instead of cancelling it. As per the official rules of Indian Railways and booking guidelines followed by IRCTC, train tickets are generally non-transferable, but limited exceptions are allowed under strict conditions. This detailed guide explains everything you need to know about train ticket transfer, including rules, eligibility, step-by-step process, documents required, and important restrictions. ⭐ Is Train Ticket Transfer Allowed in India? In most cases, train tickets cannot be transferred freely. Indian Railways follows strict rules to prevent misuse and ensure passenger safety. However, ticket transfer is allowed in special cases, but only when: If any of these conditions are not met, ticket transfer is not permitted. ⭐ Who Can Get a Transferred Train Ticket? Indian Railways allows ticket transfer only to immediate family members. These include: 🚫 Tickets cannot be transferred to friends, cousins, colleagues, neighbours, or distant relatives, even if there is a genuine reason. ⭐ Which Train Tickets Can Be Transferred? Not all tickets are eligible for transfer. Only specific ticket types are allowed. Ticket Type Transfer Allowed Confirmed (General Quota) ✅ Yes RAC (Reservation Against Cancellation) ❌ No Waiting List (WL) ❌ No Tatkal Ticket ❌ No Premium Tatkal Ticket ❌ No 👉 Only confirmed, non-Tatkal tickets are eligible for transfer. ⭐ Can Tatkal or Premium Tatkal Tickets Be Transferred? ❌ No, Tatkal and Premium Tatkal tickets cannot be transferred under any circumstances. Even if the ticket is confirmed and the transfer is for a close family member, name change or transfer is not allowed for Tatkal bookings. This rule is strict and non-negotiable. ⭐ How to Transfer Train Ticket to Another Person (Step-by-Step Process) Ticket transfer is an offline-only process. There is no online facility on IRCTC for name change or ticket transfer. 🪜 Step 1: Visit the Railway Reservation Office Go to the nearest PRS (Passenger Reservation System) counter or railway reservation office. 🪜 Step 2: Submit a Written Application Write an application mentioning: 🪜 Step 3: Attach Required Documents You must submit the following documents: 🪜 Step 4: Verification by Railway Authorities Railway officials will verify: 🪜 Step 5: Approval and Name Change If everything is correct: ⭐ Time Limit for Ticket Transfer ⏰ The request must be submitted at least 24 hours before the scheduled departure of the train. ⭐ What Happens If Someone Travels Without Approved Transfer? If a person travels using someone else’s ticket without official approval: ⭐ Important Things to Remember 🔚 Conclusion Train ticket transfer in India is not allowed in most cases, but Indian Railways provides a limited facility to transfer confirmed tickets to close family members under strict conditions. The request must be made offline at a reservation office at least 24 hours before departure, along with proper documents. If your ticket is Tatkal, RAC, or waitlisted, transfer is not possible, and cancellation is the only option. For more simple, reliable, and step-by-step guides on railway rules and government services, visit Sarkari Bakery. ❓ FAQs – Train Ticket Transfer Rules

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