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Failure analysis is a crucial aspect in engineering, with fatigue analysis being particularly important for transportation modes such as high-speed trains (HSTs) which are subjected to cyclic loading and demands long lifespan. This study evaluates a structure’s critical location—with a case study of the Indonesian HST—through finite element method (FEM) simulation and fatigue assessment. FEM simulations include static and dynamic analysis. Critical locations are identified by maximum stress in static analysis, maximum stress range in dynamic analysis, and maximum damage in fatigue assessment. The HST’s damage and fatigue life is estimated based on passenger point mass loadings. Static simulation yields critical locations including bolster, door, lateral underframe, seat railing and window. Dynamic stress time histories at these areas are extracted to obtain stress range. The findings indicate that critical locations may differ across static, dynamic, and fatigue assessments due to how each parameter defines critical location. Since stress range and damage are essential in fatigue analysis, static analysis results alone are inadequate. The HST damage and fatigue life obtained in this study yields unrealistic results due to the passenger point mass loadings. This indicates that a more robust loading scenario is required for a more accurate damage and fatigue life results.