ABSTRACT The reservation of railway tickets in India is done through by either of the two alternatives. The first one is that the individual himself goes to the counter opened by the Indian Railways and book the advance ticket i.e. reservation of ticket and other one methods is through online reservation. This methods are valid in time dependent, .timing is response 8 AM to 10 PM. Implementation of this proposed work we can provide general ticket and reservation ticket is available twenty four hours. Now here we are talking about an application which can be very useful for common people. We can use ATM for booking railway tickets besides withdrawing money. General Class or of Reservation (AC, 2AC, 3AC, sleeper). The Keywords ATM Card, ATM, Net Banking, Banking industry, electronic commerce, Railway Reservation, 1. INTRODUCTION Due to rapid population growth in the developing nations like India, Pakistan, Brazil & some other African nations, there have been many problems in these nations. System maintenance and development of banking business leads to amount of work increase greatly. In order to discover and resolve the abnormal circumstance in time, and avoid producing greater adverse effects, it is important to apply one method of automatic monitoring. [1] The Internet is a very strong technology and its applications have changed the many industries life. We have focusing on the banking industry; we examine the factors of information technology the Internet at three levels of analysis: the firm, the industry and external context of the industry. [2] The IT platform construction plays a key role. The process restructuring of commercial banks is a significant transform for China's financial enterprises operating mode, this paper proposes a method for commercial bank's core business systems and Integrated Financial Enterprise (IFE) solution, and the commercial bank can accomplish the variance analysis to design core business systems and IT platforms. [3] Banking is an area that has extended in many different ways in recent years, including telephone and online banking. M-banking provides yet another channel for banking services, and in emerging markets, provides some possibility for becoming a primary channel. Mobile banking, a symbiosis of technology and financial services, is the hottest area of development in the banking sector and is expected to replace the debit/credit card system, online or net banking in future. [4] From the perspective of Information Technology we can see that many of the problems could be solved effectively by efficient use of Information Technology. Here we are considering about the problems related to railways. Talking about the Indian Railways, one of the biggest organizations in the world, we can see that the effective use of technology could enhance its contribution to the development of nation. The reservation of railway tickets in India is done through by either of the two alternatives. The first one is that the individual himself goes to the counter opened by the Indian Railways and book the advance ticket i.e. reservation of ticket. This ticket can be of second alternative provided by the Indian railways is to use Information Technology without standing in the long queues,and saves time too. In this process the ticket is booked online. Besides allowing online booking of rail ticket (s), it offers everything from railway map to railway ticket fare to timetable of train (s). A complete railway enquiry system is in place, with a click of the mouse allowing one to access / check the Indian Railways timetable, railway ticket availability and booking for any sector besides complete online train ticket reservations. Visitors to the website can use it not only for railway ticket reservation / booking but also to find out ticket availability and ticket confirmation or PNR status for any ticket on any train within the Indian Railways network. Also an individual can book tickets through the agents approved by Indian railways. The problem exists when one tries to book a General Class ticket. To book a General ticket, one has to go to the railway station or book from the authorized agents. But this process becomes quite time consuming and people don’t like to stand in queues because in every important junctions and platforms due to arrival of trains there is lots of crowds. Due to this reason, people are afraid of losing the train. So some people travel without ticket. Now this becomes a serious issue for the government as the revenues from the tickets will not come. So this problem needs to be solved. The problem can be solved effectively with the use of Information Technology.