Possible Improvement in Reservation System
If lower berth is not there it gives us an option to continue with the booking or cancel the process.
The flaw is that cancelling the process debits the fare from your account, and is refunded after a few days automatically. In some cases the refund does not really neutralise the transaction, and you lose a small amount whenever this happens.
IRCTC should not do the bank process if the passenger does not wish to proceed with the booking.
In fact this kind of filtering should be done before even asking for payment details. more