Heres how you can claim a refund for a train ticket in case the train is delayed. Know what the conditions are for a refund is. also, know how to apply
Looks like it is too late now but for future you may contact HDFC concierge to file a TDR on your behalf. I had booked a train which got delayed by 12 hours. I called the concierge and they filed the TDR on my behalf.
It took one month for processing TDR but I got full refund.