With winter's arrival, foggy mornings often cause train delays. Many passengers wait, fearing cancellation fees. But Indian Railways has special refund rules for these situations.

Get a full refund if your train is over 3 hours late and you don't travel. A 100% refund is given for canceled trains. You can also claim a refund for diverted routes.

If the AC on your train isn't working or you're downgraded, you can get a refund for the fare difference. To claim a refund, you must file a TDR on the IRCTC website.

After filing a TDR, the refund is processed in 7-15 business days. Key deadlines: file within 72 hours for a delayed train and 3 hours for a canceled one.