Excessive Charge by IRCTC from Railway Booking

IRCTC is charging a lot for online booking of any railway ticket.. I was booking a 2S ticket Howrah – Balasore.. I checked fare.. Its with following break up..

Base fare = 85
Superfast Charge = 15
Reservation Charge = 15
———————————-
Total = 115 inr

irctc-actual

But after completing online payment via Netbanking i realized i end up paying 149.20 inr which is 34.20 inr more than actual fare.. Almost 30% of actual fare..

Ticket Fare : Rs. 115.00
Service Charge : Rs. 22.80
HDFC Bank Charge Rs. 11.40
—————————————–
Total = Rs. 149.20

irctc

I used to think BookMyShow is the one who is charging almost 25 inr extra per ticket.. Now irctc is even worse than that.. If i would have booked this ticket from a booking counter in any railway station it could have costed 30-45 inr less..