{"id":12429,"date":"2025-05-23T17:40:07","date_gmt":"2025-05-23T12:10:07","guid":{"rendered":"https:\/\/razorpay.com\/learn\/?p=12429"},"modified":"2025-05-23T17:42:23","modified_gmt":"2025-05-23T12:12:23","slug":"how-to-check-rtgs-status-by-utr-number","status":"publish","type":"post","link":"https:\/\/razorpay.com\/learn\/how-to-check-rtgs-status-by-utr-number\/","title":{"rendered":"RTGS Status Check Using UTR Number \u2013 Step-by-Step Guide"},"content":{"rendered":"<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/razorpay.com\/learn\/rtgs\/\">Real-time Gross Settlement (RTGS)<\/a> is an electronic fund transfer system that lets you transfer or receive money instantly and securely. It is one of the fastest and most reliable modes of payment in India, as it operates in real time and settles transactions individually.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, sometimes, you may face issues or delays in your RTGS transactions because of network problems, incorrect details or technical glitches. In such cases, you need to check the status of your RTGS transaction to ensure that your money has reached the intended beneficiary. To do this, you need a unique identifier (UTR) for your transaction.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69e08b3f18e98\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69e08b3f18e98\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/razorpay.com\/learn\/how-to-check-rtgs-status-by-utr-number\/#What-is-a-UTR-Unique-Transaction-Reference-Number\" >What is a UTR (Unique Transaction Reference) Number?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/razorpay.com\/learn\/how-to-check-rtgs-status-by-utr-number\/#Why-do-I-need-a-UTR-number-and-what-is-its-purpose\" >Why do I need a UTR number and what is its purpose?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/razorpay.com\/learn\/how-to-check-rtgs-status-by-utr-number\/#Where-can-you-find-the-UTR-Number\" >Where can you find the UTR Number?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/razorpay.com\/learn\/how-to-check-rtgs-status-by-utr-number\/#How-to-Check-RTGS-Transaction-Status-by-UTR-Number\" >How to Check RTGS Transaction Status by UTR Number?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/razorpay.com\/learn\/how-to-check-rtgs-status-by-utr-number\/#Key-Considerations-for-RTGS-Transaction-Status\" >Key Considerations for RTGS Transaction Status<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/razorpay.com\/learn\/how-to-check-rtgs-status-by-utr-number\/#Frequently-Asked-Questions\" >Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What-is-a-UTR-Unique-Transaction-Reference-Number\"><\/span><b>What is a UTR (Unique Transaction Reference) Number?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A UTR number is a 12-digit alphanumeric unique reference code generated by the initiating bank and assigned to every financial transaction through <a href=\"https:\/\/razorpay.com\/learn\/difference-between-neft-and-rtgs\/\">RTGS or NEFT<\/a> systems, communicated to both the sender and receiver of the funds.<\/p>\n<p><span style=\"font-weight: 400;\">I<\/span><span style=\"font-weight: 400;\">t is essential for tracking and identifying individual transactions, as no two transactions can have the same RTGS UTR number tracking. It also helps in resolving any issues or discrepancies that may arise in the RTGS process.<\/span><\/p>\n<p><em><strong>Related Read: <a href=\"https:\/\/razorpay.com\/learn\/transfer-funds-using-rtgs\/\">How to Do Fund Transfer Using RTGS?<\/a><\/strong><\/em><\/p>\n<h2 data-start=\"197\" data-end=\"252\"><span class=\"ez-toc-section\" id=\"Why-do-I-need-a-UTR-number-and-what-is-its-purpose\"><\/span>Why do I need a UTR number and what is its purpose?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"254\" data-end=\"730\">So, the main reason you need a UTR (Unique Transaction Reference) number is pretty straightforward \u2014 it helps identify and keep track of your bank transactions. Let\u2019s say your money transfer is delayed or stuck somewhere in the banking system \u2014 this UTR number acts like a tracking ID. You can use it to follow up with the bank or share it with the receiver to confirm that the payment was made. It\u2019s also useful if you just want to refer to a past transaction for any reason.<\/p>\n<p data-start=\"732\" data-end=\"993\">In India, whenever you transfer money between two different bank accounts, a UTR number gets generated. This applies to both <strong data-start=\"857\" data-end=\"865\">NEFT<\/strong> and <strong data-start=\"870\" data-end=\"878\">RTGS<\/strong> transactions \u2014 which are the two main methods of transferring funds between bank accounts held in different banks.<\/p>\n<ul data-start=\"995\" data-end=\"1458\">\n<li data-start=\"995\" data-end=\"1223\">\n<p data-start=\"997\" data-end=\"1223\"><strong data-start=\"997\" data-end=\"1005\">NEFT<\/strong> (National Electronic Funds Transfer): Works in half-hourly batches and is available from 8 AM to 7 PM on weekdays and even on working Saturdays. Since it\u2019s not instant, UTR becomes especially useful to track payments.<\/p>\n<\/li>\n<li data-start=\"1227\" data-end=\"1458\">\n<p data-start=\"1229\" data-end=\"1458\"><strong data-start=\"1229\" data-end=\"1237\">RTGS<\/strong> (Real Time Gross Settlement): Meant for bigger transfers (above \u20b92 lakh). This is real-time and faster \u2014 usually the money hits the other account within 2 hours. Even here, UTR helps you trace or confirm the transaction.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1460\" data-end=\"1493\">Now, talking about the format \u2014<\/p>\n<ul data-start=\"1494\" data-end=\"1580\">\n<li data-start=\"1494\" data-end=\"1542\">\n<p data-start=\"1496\" data-end=\"1542\">For <strong data-start=\"1500\" data-end=\"1508\">RTGS<\/strong>, the UTR is 22 characters long.<\/p>\n<\/li>\n<li data-start=\"1543\" data-end=\"1580\">\n<p data-start=\"1545\" data-end=\"1580\">For <strong data-start=\"1549\" data-end=\"1557\">NEFT<\/strong>, it\u2019s 16 characters.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1582\" data-end=\"1673\">A typical UTR for RTGS looks like this: <code data-start=\"1622\" data-end=\"1645\">XXXXRCYYYYMMDD#######<\/code><br data-start=\"1645\" data-end=\"1648\" \/>Here\u2019s how you decode it:<\/p>\n<ul data-start=\"1674\" data-end=\"1926\">\n<li data-start=\"1674\" data-end=\"1747\">\n<p data-start=\"1676\" data-end=\"1747\"><code data-start=\"1676\" data-end=\"1682\">XXXX<\/code> \u2013 First 4 letters: the IFSC code of the bank sending the money<\/p>\n<\/li>\n<li data-start=\"1748\" data-end=\"1792\">\n<p data-start=\"1750\" data-end=\"1792\"><code data-start=\"1750\" data-end=\"1753\">R<\/code> \u2013 Indicates it\u2019s an RTGS transaction<\/p>\n<\/li>\n<li data-start=\"1793\" data-end=\"1815\">\n<p data-start=\"1795\" data-end=\"1815\"><code data-start=\"1795\" data-end=\"1798\">C<\/code> \u2013 Channel code<\/p>\n<\/li>\n<li data-start=\"1816\" data-end=\"1860\">\n<p data-start=\"1818\" data-end=\"1860\"><code data-start=\"1818\" data-end=\"1828\">YYYYMMDD<\/code> \u2013 The date of the transaction<\/p>\n<\/li>\n<li data-start=\"1861\" data-end=\"1926\">\n<p data-start=\"1863\" data-end=\"1926\"><code data-start=\"1863\" data-end=\"1872\">#######<\/code> \u2013 A unique number that marks the transaction sequence<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1928\" data-end=\"2121\">In short, the UTR number is your proof, your tracker, and your reference all rolled into one. Whether the money is stuck or you just want to confirm a payment, this number comes in super handy.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Where-can-you-find-the-UTR-Number\"><\/span><b>Where can you find the UTR Number?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A <a href=\"https:\/\/razorpay.com\/learn\/what-is-utr-number\/\">UTR number<\/a> is an important piece of information that you should keep handy whenever you make or receive an RTGS transaction. You can find your RTGS UTR <\/span><span style=\"font-weight: 400;\">no. tracking<\/span><span style=\"font-weight: 400;\"> in various places, such as:<\/span><\/p>\n<h3><b>Bank Transaction Receipt<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">When you initiate an RTGS transaction at a bank branch, you will receive a transaction receipt that contains the UTR number along with other details, such as the amount, date, time and beneficiary account number.<\/span><\/p>\n<h3><b>Online Banking Statement<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If you use online banking or mobile banking to make an RTGS transaction, you can check your transaction history or statement to find the UTR number. You can also download or print the statement for future reference.<\/span><\/p>\n<h3><b>Payment Confirmation Email<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Some banks send a payment confirmation email to the sender and receiver of the RTGS transaction, which includes the UTR number and other relevant details. You can check your email inbox or spam folder to find the email and the UTR number.<\/span><\/p>\n<p><em><strong>Related Read: <a href=\"https:\/\/razorpay.com\/learn\/rtgs-timings\/\">RTGS Transfer Timings in India<\/a><\/strong><\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-to-Check-RTGS-Transaction-Status-by-UTR-Number\"><\/span><b>How to Check RTGS Transaction Status by UTR Number?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To proceed with the RTGS status check, use the following methods<\/span><\/p>\n<h3><b>Method 1: <\/b>How to Check RTGS Status by UTR Number through Internet Banking?<\/h3>\n<h4>STEP 1: Log in to your internet banking account<\/h4>\n<p>Use your credentials to access your online banking portal.<\/p>\n<h4>STEP 2: Locate the transaction history or account statement section<\/h4>\n<p>This is usually found under the &#8220;Accounts&#8221; or &#8220;Transactions&#8221; tab.<\/p>\n<h4>STEP 3: Search for the RTGS transaction<\/h4>\n<p>You can often search by date, amount, or beneficiary name.<\/p>\n<h4>STEP 4: View transaction details<\/h4>\n<p>Once you find the transaction, click on it to view the details.<\/p>\n<h4>STEP 5: Check the UTR number<\/h4>\n<p>Verify that the UTR number displayed matches the one you have.<\/p>\n<h4>STEP 6: Check the transaction status<\/h4>\n<p>The status will typically indicate whether the transaction is pending, successful, or failed.<\/p>\n<h3><b>Method 2: How to Check RTGS Status by UTR Number through Customer Support?<\/b><\/h3>\n<h4><strong>STEP 1: Gather necessary information<\/strong><\/h4>\n<p>Have your account number, UTR number, and transaction details ready.<\/p>\n<h4>STEP 2: Contact your bank&#8217;s customer support<\/h4>\n<p>You can usually find the contact number on your bank&#8217;s website, ATM card, or passbook.<\/p>\n<h4>STEP 3: Request to check RTGS status<\/h4>\n<p>Inform the customer service representative that you want to check the status of an RTGS transaction.<\/p>\n<h4>STEP 4: Provide UTR number<\/h4>\n<p>Share the 12-digit alphanumeric UTR number with the representative.<\/p>\n<h4>STEP 5: Verify your identity<\/h4>\n<p>The representative might ask for additional information to verify your identity, such as your account number or personal details.<\/p>\n<h4>STEP 6: Obtain transaction status<\/h4>\n<p>The representative will check the status of your transaction using the UTR number and provide you with the necessary information.<\/p>\n<h3><b>Method 3: How to Check RTGS Status by UTR Number Via SMS?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Your bank will give you a specific number to send a text message to. Ensure that you include the RTGS transaction&#8217;s UTR number in the message. You will get a reply message with the transaction status.<\/span><\/p>\n<h3><b>Method 4: How to Check RTGS Status by UTR Number Via Email?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">You can also inquire about the status of an RTGS transaction by emailing your bank&#8217;s designated email address. You must mention your account details and the UTR number of the RTGS transaction in the email. You will obtain a response with the transaction status and the reason for any failure or delay.<\/span><\/p>\n<h3><b>Method 5: How to check RTGS status in-branch using UTR?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The last option to check the status of an RTGS transaction is to visit your bank branch in person. You must carry your identity proof and passbook or statement with the RTGS transaction details.\u00a0<\/span><\/p>\n<p><em><strong>Read About: <a href=\"https:\/\/razorpay.com\/learn\/what-are-rtgs-charges\/\">RTGS Transfer Charges<\/a><\/strong><\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key-Considerations-for-RTGS-Transaction-Status\"><\/span><b>Key Considerations for RTGS Transaction Status<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Here are some critical considerations for RTGS transaction status:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">RTGS UTR number is a 22-digit code identifying each RTGS transaction. It has the sender\u2019s <a href=\"https:\/\/razorpay.com\/blog\/decoding-ifsc-codes-meaning-importance\/\">IFSC<\/a> (Indian Financial System Code), the RTGS system code, the channel of the transaction, the date of the transaction, and a sequence number. The UTR number helps to track and confirm the status of the RTGS transaction.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To check the status of RTGS transactions, you can use online methods or contact customer support. Online methods include visiting the RTGS transaction tracking website, logging into your Internet banking account or mobile app, and searching for the required transfer using your UTR number. Customer support methods include calling the bank\u2019s helpline number, visiting the bank branch, and providing the UTR number to the staff.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When accessing RTGS transaction details, you should safeguard your personal information and login credentials. Do not share your<\/span><span style=\"font-weight: 400;\"> RTGS UTR number<\/span><span style=\"font-weight: 400;\">, account number, IFSC or password with anyone. Use a secure device and network to access online methods. Beware of phishing emails or calls asking for your RTGS transaction details. Report any dubious or fraudulent activity to your bank immediately.<\/span><\/li>\n<\/ul>\n<p><b>Related Read: <\/b><a href=\"https:\/\/razorpay.com\/learn\/check-neft-transaction-status-using-reference-number\/\"><b>How to Check NEFT Transaction Status Using Reference Number?<\/b><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions\"><\/span><b>Frequently Asked Questions<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><b>1. Is there a time limit for checking RTGS transaction status?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">There is no time limit for checking RTGS transaction status. You can track your transaction status anytime using the UTR number and the transaction date.<\/span><\/p>\n<h3><b>2. Are there charges for checking RTGS transaction status?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">There are no charges for checking RTGS transaction status.\u00a0<\/span><\/p>\n<h3><b>3. How soon does an RTGS transaction appear in status checks?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">An RTGS transaction appears in status checks as soon as it is processed by the RBI. The processing time depends on the availability of the RTGS system and the network connectivity.<\/span><\/p>\n<h3><b>4. What if I encounter an issue with the RTGS transaction status?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If you encounter an issue with the RTGS transaction status, you can contact your bank or the RBI customer care for assistance. You can also file a complaint through the RBI website.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Real-time Gross Settlement (RTGS) is an electronic fund transfer system that lets you transfer or receive money instantly and securely. It is one of the fastest and most reliable modes of payment in India, as it operates in real time and settles transactions individually. However, sometimes, you may face issues or delays in your RTGS<\/p>\n","protected":false},"author":151156613,"featured_media":13638,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1387],"tags":[3931,1679],"class_list":{"0":"post-12429","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payments","8":"tag-check-rtgs-status","9":"tag-rtgs"},"_links":{"self":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/12429","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/users\/151156613"}],"replies":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/comments?post=12429"}],"version-history":[{"count":13,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/12429\/revisions"}],"predecessor-version":[{"id":17537,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/12429\/revisions\/17537"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media\/13638"}],"wp:attachment":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media?parent=12429"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/categories?post=12429"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/tags?post=12429"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}