Terms & Conditions

Rail Mutual helps Indian Railways employees find colleagues interested in a mutual transfer. It is an independent platform, not run by or affiliated with Indian Railways, and it does not arrange, process or decide transfers. By creating an account you agree to these terms and to our Privacy Policy.

• You must be a serving Indian Railways employee.
• You may have one account, in your own name, with details that are true and up to date.
• You are responsible for keeping your password safe.

Match percentages show how well two profiles fit on this platform. They are not an official eligibility decision, and a match does not mean a transfer will happen. Every mutual transfer follows the normal Railway process through your administration.

• You can ask us to verify your profile by uploading your railway ID card.
• Our staff compare it with your profile and may call you to confirm details. We may decline if details can’t be confirmed.
• A “verified” badge means our team checked your details. It is not an official Railway record.
• If you later change your department, post or division, your profile is checked again.

• Joining, browsing matches and sending requests are free.
• When you ask for another employee’s number, our team calls both of you. If you both agree, each of you pays the connection fee shown on your payment link.
• Payments are processed by Razorpay. We never ask for your UPI PIN, OTP or card number.
• Numbers are shared only after both payments are complete. The fee is for our team’s help in connecting you; it does not buy, guarantee or speed up a transfer.

• Contact details are shared only after our team connects you and both employees have paid.
• Use them only to discuss a mutual transfer.
• Never share them with anyone else, and stop contacting someone who asks you to.

Our team may call your registered mobile number to connect you with another employee, and to help with your profile and verification. You can ask us to stop calling at any time.

By creating an account you agree to receive WhatsApp messages from Rail Mutual on the WhatsApp number you give us: the code that confirms your number at sign-up and password codes, account and connection updates (including payment links and contact details for a connection you asked for), reminders about your profile and matches, and occasional news and offers from Rail Mutual. Our team may also reply to messages you send us. We never pass your messages to other employees.

Reply STOP on WhatsApp at any time to pause reminders, news and offers; reply START to turn them back on. Codes, answers to your own messages and updates about a connection you asked for still reach you.

• Fake profiles, or pretending to be someone else.
• Asking another employee for money, gifts or favours in connection with a transfer.
• Harassing, threatening or misleading other employees.
• Copying profiles or data from the platform, or trying to access accounts that aren’t yours.

We may suspend an account that breaks these terms or puts other employees at risk. A suspended account can’t sign in and doesn’t appear in matches. Contact us through the Contact page if you think we made a mistake.

You can delete your account at any time from Settings. What happens to your data is explained in our Privacy Policy.

We work hard to keep Rail Mutual accurate and available, but we provide it as it is. We are not responsible for transfer decisions, for what other employees say or do, or for losses caused by information they provide.

If we change these terms, we will tell you in the app or by email before the changes apply.