Sir.
This point is valid only in case of bp change. Otherwise the journey originating station will be considered for this rule,not the train originating station.
For 12695
Cbe to tvc bp at pgt
Train...
more... late for more than 3 hours at pgt and <3 hours at cbe ----No refund
Train late for >3 hrs at mas and <3 hours at cbe ---no refund.
Late for more than 3 hours at cbe ,refund will be processed.