I doubt chart is prepared 12 hrs b4 train's dep. if your tkt remains in RAC after charting and u wish not to travel file TDR selecting Tkt remained in RAC after charting. this will entitle u min. cancelation charges.
If u r tkt is CNF and u didn't travel u need to select pax not traveled option.. ( for etkt ) d refund is around 50 % excl. bank charges.
if PRS tkt, even then, it is 50 % only..