SBI VIRTUAL CARD supplying me 8 digit OTP and instructing me to use it as a PIN but during purchaging e-ticket after login through individual irctc account, irctc asking me to put 4 digit PIN after selecting 'Make Payment' option in the 'Gateway of Bank'. As a result I am facing 'INVALID TRANGACTION'. No satisfactory solution I have received either from Bank or Railways yet. I shall be highly obliged if you kindly detect my fault and present me the actual solution in brief. With many many thanks, Goutam Sengupta. Midnapore.