A free program for Android, by IRCTC Official.

IRCTC is a railway ticketing and payment app that makes it extremely easy to book train tickets online, and pay for them using either debit or credit cards, or via UPI.

iMudra is an IRCTC service that enables you to make payments using your smartphone. It works like a debit card, but you will not be required to carry a physical card with you. You will only need to download the app and create an account. Once you have done this, you will be able to use the app to make payments at online and offline stores.

iMudra is a safe and secure service, with all the data stored in India.