Introduction
A UTR number is a unique reference number assigned to a digital payment transaction. For UPI payments, it can help users identify a specific transaction when checking payment details, contacting their bank, or resolving a payment-related issue. This guide explains where you can find the UTR number of a UPI payment.
What Is a UTR Number in UPI?
UTR stands for Unique Transaction Reference. It is a transaction reference used by banks and payment systems to identify a particular payment.
After making a UPI payment, the transaction details shown in your UPI app may include a UTR number, transaction ID, reference number, or similar identifier.
The exact name and format can vary depending on the bank, UPI app, and type of transaction.
How to Find the UTR Number in a UPI App
You can usually find the UTR number by opening the transaction history in the UPI app you used to make the payment.
Step 1: Open Your UPI App
Open the UPI app through which you made the payment, such as your bank’s UPI app or another supported UPI application.
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Step 2: Open Transaction History
Look for options such as Transactions, History, Activity, or Payments.
The exact option may have a different name depending on the app.
Step 3: Select the Payment
Find the specific UPI payment for which you need the UTR number.
Check the payment date, amount, and recipient name to make sure you have selected the correct transaction.
Step 4: Open Transaction Details
Tap the transaction to view its complete details.
Look for a number labelled UTR, UTR Number, Transaction ID, Reference Number, or a similar term.
Step 5: Copy the Reference Number
If the app provides a copy option, you can copy the reference number and use it when communicating with your bank or payment service.
How to Find the UTR Number Through Your Bank
You may also be able to find the transaction reference through your bank’s mobile banking application or internet banking service.
Open your account statement or transaction history and locate the UPI payment. Open the transaction details and check for the UTR or transaction reference number.
Some banks may display the UTR under a different label.
Can You Find the UTR Number in a UPI Payment SMS?
Sometimes, a bank’s transaction SMS may contain a transaction reference number. However, the information included in SMS notifications can vary between banks.
If the UTR is not shown in the SMS, check the transaction details in your UPI app or bank account statement.
Is UTR the Same as UPI Transaction ID?
A UTR and a UPI transaction ID can refer to transaction-identification information, but they are not necessarily displayed or described in exactly the same way across every app and bank.
If a bank or payment service asks for a UTR, use the reference number specifically shown for that transaction in the relevant payment or banking records.
What to Do If You Cannot Find the UTR Number
If the UTR is not visible in your UPI app, you can:
- Check the transaction details again.
- Check your bank account statement.
- Check the transaction notification received from your bank.
- Contact your bank through its official customer-support channel.
- Keep the payment date, amount, and recipient details available when contacting support.
Avoid sharing sensitive banking information, such as your UPI PIN, password, OTP, or card PIN, with anyone claiming to need it for transaction verification.
Why Is the UTR Number Important?
The UTR can help identify a particular payment when there is a transaction-related query.
For example, it may be useful when:
- A payment shows as successful but the recipient has not received it.
- You need to discuss a particular transaction with your bank.
- You are checking a payment in your account statement.
- A merchant asks for a transaction reference to locate a payment.
The UTR is mainly a transaction reference and does not replace your UPI PIN, OTP, or other security credentials.
Conclusion
The UTR number of a UPI payment can usually be found by opening the transaction history in the UPI app and checking the payment details. It may also be available through your bank’s account statement, mobile banking app, internet banking, or transaction notification.
If you cannot find the number, your bank can help identify the transaction using details such as the payment date and amount.
Disclaimer
This article is provided for general informational purposes only. UPI transaction details, terminology, and the location of transaction reference numbers may vary between banks and UPI applications. Always verify transaction information through your bank or the official UPI application. Never share your UPI PIN, OTP, password, card PIN, or other confidential banking credentials with anyone.
