{"id":13093,"date":"2025-02-14T12:30:14","date_gmt":"2025-02-14T07:00:14","guid":{"rendered":"https:\/\/razorpay.com\/learn\/?p=13093"},"modified":"2025-02-18T16:52:42","modified_gmt":"2025-02-18T11:22:42","slug":"what-is-utr-number","status":"publish","type":"post","link":"https:\/\/razorpay.com\/learn\/what-is-utr-number\/","title":{"rendered":"What is a UTR Number? Examples, Importance, &#038; How to Check It"},"content":{"rendered":"<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-69e0740f007ab\" 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-69e0740f007ab\"  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\/what-is-utr-number\/#What-Is-a-UTR-Number\" >What Is a UTR 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\/what-is-utr-number\/#UTR-Number-Example\" >UTR Number Example<\/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\/what-is-utr-number\/#How-To-Check-UTR-Number\" >How To Check 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\/what-is-utr-number\/#How-to-Track-UTR-Number-Online\" >How to Track UTR Number Online?<\/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\/what-is-utr-number\/#Importance-of-UTR-Numbers\" >Importance of UTR Numbers<\/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\/what-is-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-Number\"><\/span><b>What Is a UTR Number?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A UTR number (Unique Transaction Reference) is an alphanumeric code that uniquely identifies financial transactions in India. It is generated by banks every time a transaction is initiated, whether via <a href=\"https:\/\/razorpay.com\/learn\/neft\/\">NEFT<\/a>, <a href=\"https:\/\/razorpay.com\/learn\/rtgs\/\">RTGS<\/a>, <a href=\"https:\/\/razorpay.com\/learn\/what-is-imps\/\">IMPS<\/a>, or <a href=\"https:\/\/razorpay.com\/blog\/what-is-upi-and-how-it-works\/\">UPI<\/a>. Serving as a digital signature, the UTR number helps distinguish one transaction from another, enabling both banks and customers to track and verify payments.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"UTR-Number-Example\"><\/span><b>UTR Number Example<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When you transfer funds from one bank account to another, a UTR reference number is automatically generated to uniquely identify that transaction. For instance, NEFT transactions typically have a 16-character UTR number, UPI transactions have a 12-digit UTR code, while RTGS transactions usually have a 22-character UTR.<\/span><\/p>\n<p><b>Here&#8217;s a sample UTR number:<\/b><\/p>\n<pre class=\"ng-tns-c2901751531-126\"><span style=\"font-weight: 400;\">XXXXRCYYYYMMDD########<\/span><\/pre>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>XXXX:<\/b><span style=\"font-weight: 400;\"> The first four characters represent the <\/span><a href=\"https:\/\/razorpay.com\/blog\/decoding-ifsc-codes-meaning-importance\/\"><span style=\"font-weight: 400;\">IFSC<\/span><\/a><span style=\"font-weight: 400;\"> (Indian Financial System Code) of the sender&#8217;s bank.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>R:<\/b><span style=\"font-weight: 400;\"> Indicates that the transaction was processed through the RTGS system.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>C:<\/b><span style=\"font-weight: 400;\"> Represents the channel of the transaction (e.g., internet banking, mobile banking).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>YYYYMMDD:<\/b><span style=\"font-weight: 400;\"> Represents the year, month, and date of the transaction.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>########:<\/b><span style=\"font-weight: 400;\"> A sequence number assigned to the transaction.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How-To-Check-UTR-Number\"><\/span><b>How To Check UTR Number?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Finding your UTR reference number is easy and can be done using multiple methods. Here are the most common ways to check it:<\/span><\/p>\n<h3><strong>Method 1: Bank Statements or Passbooks<\/strong><\/h3>\n<h4><strong>Step 1. Access Your Statement or Passbook<\/strong><\/h4>\n<p>Obtain your recent bank statement or passbook. You can usually download your statement from your bank\u2019s online portal or visit the bank to get a physical passbook update.<\/p>\n<h4><strong>Step 2. Locate the Transaction<\/strong><\/h4>\n<p>Look for the transaction you want to check. The UTR ID is listed under the transaction details, which includes the transaction date, amount, and reference number.<\/p>\n<h4><strong>Step 3. <\/strong><strong>Find the UTR Number<\/strong><\/h4>\n<p>Look for a section labeled \u2018Reference Number,\u2019 \u2018UTR Number,\u2019 or \u2018Unique Transaction Reference\u2019 in your transaction details.<\/p>\n<h3><strong>Method 2: Internet Banking<\/strong><\/h3>\n<h4><strong>Step 1. <\/strong><strong>Log In<\/strong><\/h4>\n<p>Access your bank&#8217;s internet banking portal using your secure login credentials.<\/p>\n<h4><strong>Step 2. <\/strong><strong>Navigate to Transaction History<\/strong><\/h4>\n<p>Go to the \u2018Transaction History\u2019 or \u2018Account Statement\u2019 section, depending on your bank\u2019s interface.<\/p>\n<h4><strong>Step 3. <\/strong><strong>Select the Transaction<\/strong><\/h4>\n<p>Find the specific transaction you want to track. Click on it to view detailed information.<\/p>\n<h4><strong>Step 4. <\/strong><strong>View UTR Number<\/strong><\/h4>\n<p>The UTR id will be displayed in the transaction details. Look for a field labeled \u2018UTR,\u2019 \u2018Reference Number,\u2019 &#8216;Transaction ID&#8217;, or similar.<\/p>\n<h3><strong>Method 3: Mobile Banking<\/strong><\/h3>\n<h4><strong>Step 1. <\/strong><strong>Open Your Banking App<\/strong><\/h4>\n<p>Launch your mobile banking app and log in with your credentials.<\/p>\n<h4><strong>Step 2. <\/strong><strong>Go to Transaction History<\/strong><\/h4>\n<p>Navigate to the \u2018Transaction History\u2019 or \u2018Account Statement\u2019 section within the app.<\/p>\n<h4><strong>Step 3. <\/strong><strong>Select the Relevant Transaction<\/strong><\/h4>\n<p>Find and select the transaction you need.<\/p>\n<h4><strong>Step 4. <\/strong><strong>Find the UTR Number<\/strong><\/h4>\n<p>The UTR number should be visible in the transaction details, usually under \u2018Reference Number\u2019, UTR ID or \u2018UTR.\u2019<\/p>\n<h3><strong>Method 4: Transaction Confirmation Email or SMS<\/strong><\/h3>\n<h4><strong>Step 1. <\/strong><strong>Check Your Email or SMS<\/strong><\/h4>\n<p>Look for the email or SMS confirmation of the transaction. This is typically sent immediately after the transaction is completed.<\/p>\n<h4><strong>Step 2. <\/strong><strong>Find the UTR Number<\/strong><\/h4>\n<p>Open the message and locate the UTR number, which will be included in the transaction details section of the confirmation message.<\/p>\n<h4><strong>Step 3. <\/strong><strong>Retrieve the UTR Number<\/strong><\/h4>\n<p>Copy or note down the UTR number for tracking or reference purposes.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-to-Track-UTR-Number-Online\"><\/span><strong>How to Track UTR Number Online?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you are wondering how to track or check your UTR number online, follow these steps:<\/span><\/p>\n<h3><strong>Step 1. Log in to Your Bank&#8217;s Internet Banking Portal<\/strong><\/h3>\n<ul>\n<li>Open your bank\u2019s official internet banking website. Ensure you\u2019re using a secure connection.<\/li>\n<li>Log in with your user ID and password. Some banks may also use additional security steps like OTPs (One-Time Passwords) or security questions.<\/li>\n<\/ul>\n<h3><strong>Step 2. Navigate to Transaction History<\/strong><\/h3>\n<ul>\n<li><strong>Find the Section<\/strong>: Look for tabs or links such as \u2018Transaction History,\u2019 \u2018Account Statement,\u2019 or \u2018Transactions.\u2019<\/li>\n<li><strong>Select the Account<\/strong>: Choose the account from which the transaction was made if you have multiple accounts.<\/li>\n<\/ul>\n<h3><strong>Step 3. Locate the Relevant Transaction<\/strong><\/h3>\n<ul>\n<li><strong>Search for the Transaction<\/strong>: Use filters to narrow down the date, amount, or transaction type to find the specific transaction.<\/li>\n<li><strong>View Details<\/strong>: Click on the transaction to view its details.<\/li>\n<\/ul>\n<h3><strong>Step 4. Find the UTR Number<\/strong><\/h3>\n<ul>\n<li><strong>Check Transaction Details<\/strong>: Look for a field labeled \u2018UTR Number,\u2019 \u2018Reference Number,\u2019 or \u2018Unique Transaction Reference\u2019 in the transaction details.<\/li>\n<li><strong>Note the Number<\/strong>: Write down or copy the UTR number for tracking purposes.<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you have trouble finding your UTR number, contact your bank&#8217;s customer support for assistance.<\/span><\/p>\n<p><em><b>More Reads on Transaction Status Checks<\/b><\/em><b><i><\/i><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><a href=\"https:\/\/razorpay.com\/learn\/how-to-check-upi-transaction-status-upi-utr-status-check-online\/\"><b><i>UPI Transaction Status by UTR Number<\/i><\/b><\/a><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><a href=\"https:\/\/razorpay.com\/learn\/how-to-check-rtgs-status-by-utr-number\/\"><b><i>RTGS Status by UTR Number<\/i><\/b><\/a><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><a href=\"https:\/\/razorpay.com\/learn\/imps-reference-number-tracking\/\"><b><i>IMPS Reference Number Tracking<\/i><\/b><\/a><b>\u00a0<\/b><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Importance-of-UTR-Numbers\"><\/span><b>Importance of UTR Numbers<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>UTR numbers play a crucial role in various aspects of financial transactions.<\/b><span style=\"font-weight: 400;\"> Here are some of the key reasons why they are important:<\/span><\/p>\n<h3><strong>Transaction Tracking<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">UTR numbers serve as unique identifiers for each transaction, making it easy to track and monitor their status. They help ensure that payments are processed correctly and efficiently, providing a clear record of the transaction&#8217;s journey.<\/span><\/p>\n<h3><strong>Dispute Resolution<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">In case of discrepancies or disputes, UTR numbers provide concrete evidence, helping to resolve issues efficiently. They allow both parties to reference the exact transaction details, facilitating faster and more accurate resolution.<\/span><\/p>\n<h3><strong>Accounting and Taxation<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">UTR numbers play a key role in maintaining accurate financial records and ensuring compliance with tax regulations. They are crucial for reconciling accounts, preparing financial statements, and verifying transactions for tax purposes.<\/span><\/p>\n<h3><strong>Security and Transparency<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">By providing a traceable record of transactions, UTR numbers enhance both the security and transparency of financial processes. They help prevent fraud and ensure that all transactions are recorded and visible to the relevant parties.<\/span><\/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. What is the UTR number in GPay?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The UTR number in Google Pay (GPay) is typically displayed as the &#8220;Transaction ID&#8221; or &#8220;Reference Number&#8221;.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you make a transaction using GPay, you&#8217;ll usually find the UTR number in the transaction details or history section of the Google Pay app.<\/span><\/p>\n<h3>2. What is the UTR full form in banking?<\/h3>\n<p>The full form of UTR in banking is <span style=\"font-weight: 400;\"><strong>Unique Transaction Reference.<\/strong><\/span><\/p>\n<h3><b>3. Can I use a UTR number to dispute a transaction?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, UTR numbers can be used as evidence to dispute transactions if necessary.<\/span><\/p>\n<h3><b>4. How is a UTR number generated?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A UTR number is automatically generated by the bank when a financial transaction is processed. It includes various components such as the bank\u2019s code, transaction type, date, and sequence number.<\/span><\/p>\n<h3><b>5. What should I do if I cannot find my UTR number?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If you cannot find your UTR number, check your recent bank statements, passbook, or transaction notifications. You can also contact your bank\u2019s customer service for assistance.<\/span><\/p>\n<h3><b>6. How many digits are there in a UPI UTR number?<\/b><\/h3>\n<p>A UPI UTR (Unique Transaction Reference) number is a <strong>12-digit alphanumeric code<\/strong>. It is used to uniquely identify and track UPI transactions for verification and reference purposes.<\/p>\n<h3>7. How many digits are there in a NEFT UTR number?<\/h3>\n<p>A NEFT UTR number is a <strong>16-digit alphanumeric code<\/strong>. It uniquely identifies each NEFT transaction for tracking and reference purposes.<\/p>\n<h3>8. <strong>How many digits are there in a RTGS UTR number?<\/strong><\/h3>\n<p>A RTGS UTR number consists of <strong>22 alphanumeric characters<\/strong>. It helps in identifying and tracking real-time gross settlement transactions.<\/p>\n<h3>9. How to get UTR number for UPI transaction?<\/h3>\n<p>To obtain the UTR number for a UPI transaction, open your UPI-enabled app and navigate to your transaction history. Select the specific transaction you&#8217;re interested in, and the UTR number will be listed in the transaction details.<\/p>\n<h3><strong>10. Is UTR and Transaction ID the same?<\/strong><\/h3>\n<p>No, UTR (Unique Transaction Reference) and Transaction ID are not the same. UTR is a specific alphanumeric code used for tracking NEFT, RTGS, and IMPS transactions, while a Transaction ID can refer to a broader range of identifiers used for various payment methods.<\/p>\n<h3><strong>11. Is UTR and UPI Transaction ID the same?<\/strong><\/h3>\n<p>Yes, UTR (Unique Transaction Reference) and UPI Transaction ID are essentially the same. Both serve as unique identifiers for tracking individual UPI transactions.<\/p>\n<h3><strong>12. How to find UTR number in Google Pay?<\/strong><\/h3>\n<p>To find the UTR number in Google Pay, open the app and go to the &#8220;Payments&#8221; section. Select the specific transaction you want to track, and you should see the UTR number displayed alongside the transaction details.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What Is a UTR Number? A UTR number (Unique Transaction Reference) is an alphanumeric code that uniquely identifies financial transactions in India. It is generated by banks every time a transaction is initiated, whether via NEFT, RTGS, IMPS, or UPI. Serving as a digital signature, the UTR number helps distinguish one transaction from another, enabling<\/p>\n","protected":false},"author":151156611,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1387],"tags":[3960,3961],"class_list":{"0":"post-13093","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-payments","7":"tag-utr-number","8":"tag-what-is-utr-number"},"_links":{"self":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/13093","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\/151156611"}],"replies":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/comments?post=13093"}],"version-history":[{"count":14,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/13093\/revisions"}],"predecessor-version":[{"id":15857,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/13093\/revisions\/15857"}],"wp:attachment":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media?parent=13093"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/categories?post=13093"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/tags?post=13093"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}